Estimate your homeowners insurance cost in seconds. Based on real 2026 rate data across all 50 states.
Bundle your home and auto insurance with the same company to save 15–25% on both policies. Raising your deductible from $500 to $1,000 can save 5–10% on your annual premium.
Estimates based on 2026 national average data. Actual rates vary by insurer and state. Get multiple quotes for the best price.
| State | Avg Annual Premium | Avg Monthly | Risk Level |
|---|---|---|---|
| Oklahoma | $5,220 | $435 | Very High (tornadoes) |
| Florida | $4,800 | $400 | Very High (hurricanes) |
| Texas | $4,142 | $345 | High (storms, hail) |
| Louisiana | $3,840 | $320 | High (hurricanes) |
| Kansas | $3,212 | $268 | High (tornadoes) |
| National Average | $2,100 | $175 | Medium |
| Ohio | $1,488 | $124 | Low |
| Wisconsin | $1,320 | $110 | Low |
| Hawaii | $672 | $56 | Very Low |
Covers repair or rebuilding of your home's structure if damaged by fire, wind, hail, lightning, or other covered perils. Based on replacement cost, not market value.
Covers furniture, electronics, clothing, and other belongings if stolen or damaged. Standard policies cover 50–70% of dwelling coverage amount.
Pays if someone is injured on your property or you accidentally damage someone else's property. Standard policies include $100,000–$300,000 in liability.
Covers hotel and living expenses if your home becomes uninhabitable after a covered loss. Typically covers 20–30% of dwelling coverage amount.
Standard homeowners insurance does NOT cover flood damage. You need a separate flood insurance policy through FEMA's National Flood Insurance Program or private insurers.
Earthquake damage is excluded from standard policies. California homeowners especially need separate earthquake coverage — typically $800–$3,000/year additional.