Editor Picks
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How Does Renting Out a Room Affect My Home Insurance?
December 1, 2024
Escrow Shortage: What Is It and How Do You Pay It Off?
4 min. read|January 3, 2024
Can I Cancel a Home Insurance Claim?
August 28, 2024
Flood Zone X: What It Means for Your Flood Risk and Buying Insurance
July 16, 2025
How to Get Your Mortgage Company to Release Insurance Proceeds
3 min. read|October 21, 2024
What Is the 80/20 Rule in Home Insurance?
January 18, 2024
Learn the Basics
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How Much Homeowners Insurance Do You Need?
How much homeowners insurance you need depends on the replacement cost of your home, its contents, and your risk tolerance.
August 1, 2024
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How to Buy Homeowners Insurance in 5 Easy Steps
Wondering how to buy home insurance? This article can show you what you need to consider when making this important purchase.
July 29, 2024
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How to File a Home Insurance Claim
You typically need to provide documentation, meet with an adjuster, and complete paperwork when filing a home insurance claim.
November 21, 2023
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Home Insurance Quotes Comparison
Whether you’re a first-time homebuyer or just looking for a better rate, here’s how to compare home insurance quotes to find the best coverage.
March 3, 2025
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Why Is My Homeowners Insurance Cost So High?
Home insurance rates are rising for several reasons. Learn why your homeowners insurance rates went up.
August 25, 2024
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Average Cost of Home Insurance
Homeowners insurance costs an average of $2,584 per year for $300,000 in dwelling coverage. Learn about the factors that affect home insurance premiums.
February 6, 2025
Insights
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Top Home Markets to Watch in 2024
Florida and North Carolina cities top Insurify’s 2023 housing markets to watch, despite climate risks and high insurance costs in several emerging areas.
September 4, 2023
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Best Cities for Homebuyers With a $75,000 Income 2024
Champaign, Detroit, and El Paso are among the most affordable cities for the average homebuyer. Here’s where a household income of $75,000 goes a long way.
February 1, 2024
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To Rent or to Buy? The Top 10 Cities Where Each Option Provides the Best Value
Millions of Americans decide between renting or owning a home each year. The choice can be hard, though the financial math in these 20 cities makes it simpler.
June 30, 2022
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Soaring Home Insurance Pushing Homeowners Out of These States
Climate catastrophes are driving insurers and homebuyers out of high-risk areas like Florida, but the American dream of homeownership lives on in less disaster-prone states.
January 17, 2024
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These are the Most Affordable Cities to Buy a House in 2022
These 20 cities have the most affordable housing markets in 2022.
February 18, 2022
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These Are the Best Cities for New Homebuyers in 2022
Insurify ranked the best city for new homebuyers in every state for 2022.
February 24, 2022
Home Insurance by Perils
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Fire Insurance for Homeowners: Why You’ll Want to Take this Extra Step
May 11, 2025
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Flood Insurance: The Ultimate Guide for Homeowners
August 18, 2024
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How To Get Earthquake Insurance and Protect Your Family
July 22, 2025
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Adding Sinkhole Insurance to Your Homeowners Policy
July 14, 2024
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Hurricane Insurance: What You Need to Know
May 18, 2025
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Tornado Insurance: When Will You Need this Type of Coverage?
March 27, 2024
Latest Articles
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When to Hire a Home Insurance Claim Lawyer (2025)
July 23, 2025
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Latest Home Insurance News
July 23, 2025
5 Best Home Insurance Companies (2025)
July 22, 2025
Earthquake Insurance: A Complete Guide for Homeowners (2025)
July 22, 2025
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Best Dog-Friendly Home Insurance Companies (2025)
July 22, 2025
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What Manufactured and Mobile Home Insurance Covers (2025)
July 22, 2025
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.