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Home Insurance Cost Estimator
EstimatorEstimate annual home insurance premium based on location, value, and risk factors.
About This Tool
The national average home insurance premium was $2,151/year in 2024 — up 21% from 2022. Florida, California (wildfire zones), and Louisiana face the highest rates and insurer exits. Standard policies (HO-3) cover the structure (dwelling), personal property, and liability but exclude floods and earthquakes.