$124/mo
From, based on average shoppers
Value for money
Customer service
Claims handling
“Best overall — cheapest national avg + largest agent network.”
4.7/5
1,892 reviews
Compare home insurance
Compare Home Insurance Quotes From $124/mo. (Updated May 2026)
Real binding quotes from top home insurers, side-by-side in 2 minutes. We surface the right dwelling-coverage limit for your home — not just the cheapest premium.
4.7/514,000+ reviewsTrustpilot
Updated May 21, 2026 · Methodology
Top home insurance carriers — average monthly rates ($420K replacement cost, $1,000 deductible)
| Carrier | Avg monthly | Avg annual | Best for |
|---|---|---|---|
| $124 | $1,486 | Overall cheapest, clean-claim home |
| $131 | $1,572 | CAT-prone (hurricane, hail) states |
| $136 | $1,628 | Bundling with auto |
| $141 | $1,694 | Customizable coverage |
| $143 | $1,712 | Newer construction (post-2010) |
| $146 | $1,748 | AARP-eligible homeowners 50+ |
- CarrierAvg monthly$124Avg annual$1,486Best forOverall cheapest, clean-claim home
- CarrierAvg monthly$131Avg annual$1,572Best forCAT-prone (hurricane, hail) states
- CarrierAvg monthly$136Avg annual$1,628Best forBundling with auto
- CarrierAvg monthly$141Avg annual$1,694Best forCustomizable coverage
- CarrierAvg monthly$143Avg annual$1,712Best forNewer construction (post-2010)
- CarrierAvg monthly$146Avg annual$1,748Best forAARP-eligible homeowners 50+
Updated May 21, 2026Why you can trust Insurances Quote ›
SC
Written by
Sarah Chen
Editorial Director
MA
Edited by
Marcus Allen
Senior Editor
PW
Reviewed by
Dr. Patricia Wong
Insurance Industry Analyst
DP
Data review
David Park
VP of Data Science
Why you can trust this comparison:Median binding-grade quotes from 380K shopper-submitted home-insurance comparisons through Insurances Quote (Jan 2024 – May 2026), blended with publicly filed state-DOI rate data. No carrier paid for placement.
Home insurance shopping is different from auto shopping in one key way: getting the cheapest premium isn’t the right goal. Getting the right dwelling-coverage limit at the cheapest carrieris the goal. Underinsuring on dwelling — the actual cost to rebuild your home today — is a much bigger long-term risk than overpaying by $200 a year.
That’s why our comparison surfaces replacement-cost estimates inline with the quote: we want you comparing apples-to-apples at the right coverage level. Cheapest $300K-dwelling quote means nothing if your actual replacement cost is $480K.
Quick facts
- National average annual home insurance premium: $1,820. State averages range from $868 (Vermont) to $2,840 (Florida).
- Premiums are up ~30% since 2022 due to reinsurance + construction-cost inflation. Re-shop every renewal.
- Flood and earthquake are NOT covered by standard HO-3 policies — separate coverage required.
See your home rate
Real binding quotes from carriers writing in your ZIP.
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The four standard coverages on a home policy
1. Dwelling (Coverage A)
The replacement cost of your home’s structure. Should equal what it would cost to rebuild today — not the market value (which includes the land). $200–$300/sq ft is typical for standard construction.
2. Other structures (Coverage B)
Sheds, detached garages, fences, in-ground pools. Usually 10% of dwelling by default.
3. Personal property (Coverage C)
Your stuff — clothing, electronics, furniture. Usually 50–75% of dwelling.
4. Loss of use (Coverage D)
Hotel, food, incremental living costs if your home is uninhabitable during a covered loss. Usually 20–30% of dwelling.
Recommended coverage limits for typical homes
| Coverage | Default % | Recommended | When to raise |
|---|---|---|---|
| Dwelling | 100% | Replacement cost | Always — never less |
| Other structures | 10% | 10–20% | Detached garage, large shed, fence |
| Personal property | 50% | 70% | Finished basement, home office, hobby gear |
| Loss of use | 20% | 20–30% | CAT-prone area (9–12 mo rebuilds) |
| Liability | $300K | $500K + umbrella | Pool, dog, frequent guests, real assets |
- CoverageDwellingDefault %100%RecommendedReplacement costWhen to raiseAlways — never less
- CoverageOther structuresDefault %10%Recommended10–20%When to raiseDetached garage, large shed, fence
- CoveragePersonal propertyDefault %50%Recommended70%When to raiseFinished basement, home office, hobby gear
- CoverageLoss of useDefault %20%Recommended20–30%When to raiseCAT-prone area (9–12 mo rebuilds)
- CoverageLiabilityDefault %$300KRecommended$500K + umbrellaWhen to raisePool, dog, frequent guests, real assets
SC
Expert Tip
Sarah Chen
Editorial Director
The single biggest mistake we see homeowners make: using their home’s market value (or mortgage balance) as the dwelling coverage limit. Market value includes the land. Replacement cost is what it would take to rebuild the structure — nothing to do with land. They’re often 30–50% apart.
Top home insurance carriers
$131/mo
From, based on average shoppers
Value for money
Customer service
Claims handling
“Best for CAT-prone areas. Still writing new business in FL and Gulf Coast.”
4.5/5
1,124 reviews
$136/mo
From, based on average shoppers
Value for money
Customer service
Claims handling
“Best for bundling auto + home. 12–25% multi-policy discount.”
4.4/5
1,756 reviews
$141/mo
From, based on average shoppers
Value for money
Customer service
Claims handling
“Most customizable limits and endorsements.”
4.3/5
1,348 reviews
$143/mo
From, based on average shoppers
Value for money
Customer service
Claims handling
“Best for newer construction. Aggressive on 2010+ build year.”
4.2/5
1,012 reviews
$146/mo
From, based on average shoppers
Value for money
Customer service
Claims handling
“Best for 50+ via AARP partnership.”
4.6/5
824 reviews
How to compare home insurance
- 1Replacement cost
Get a real RC estimate — don't use Zillow.
- 2Set coverage tier
Default limits are usually fine for typical homes.
- 3Submit details
Year built, roof age, claim history, dog breed, alarms.
- 4Compare quotes
Binding-grade rates, side-by-side at your coverage.
- 5Bind + bundle
Bundle with auto for the 12–25% multi-policy discount.
When to switch carriers
Pros
- Premium is 15%+ above carrier comparison for your replacement-cost tier.
- Carrier non-renewed you or signaled pullback in your area.
- Your replacement cost has changed (renovation, addition).
- You've added (or could add) an auto policy to bundle.
Cons
- Currently mid-claim — wait until resolved before switching.
- New roof, new build, or fresh discount — your current carrier may match.
- Tight CAT season approaching — carriers may pause underwriting.
- Carrier loyalty discount close to vesting — calculate the math.
Home insurance rates by state
Cheapest: Vermont ($868/yr). Most expensive: Florida ($2,840/yr). Same dwelling profile, dramatically different premium.
| State | Avg monthly: liability only | Avg monthly: full coverage |
|---|---|---|
| Alabama | $45/mo | $132/mo |
| Alaska | $48/mo | $135/mo |
| Arizona | $62/mo | $168/mo |
| Arkansas | $44/mo | $138/mo |
| California | $82/mo | $194/mo |
| Colorado | $62/mo | $176/mo |
| Connecticut | $71/mo | $182/mo |
| Delaware | $75/mo | $188/mo |
| D.C. | $148/mo | $335/mo |
| Florida | $98/mo | $238/mo |
| Georgia | $72/mo | $172/mo |
| Hawaii | $38/mo | $112/mo |
| Idaho | $32/mo | $108/mo |
| Illinois | $48/mo | $148/mo |
| Indiana | $51/mo | $129/mo |
| Iowa | $46/mo | $118/mo |
| Kansas | $49/mo | $152/mo |
| Kentucky | $68/mo | $178/mo |
| Louisiana | $112/mo | $262/mo |
| Maine | $36/mo | $98/mo |
| Maryland | $72/mo | $176/mo |
| Massachusetts | $58/mo | $154/mo |
| Michigan | $88/mo | $214/mo |
| Minnesota | $54/mo | $148/mo |
| Mississippi | $58/mo | $148/mo |
| Missouri | $56/mo | $152/mo |
| Montana | $42/mo | $138/mo |
| Nebraska | $44/mo | $132/mo |
| Nevada | $78/mo | $192/mo |
| New Hampshire | $34/mo | $80/mo |
| New Jersey | $84/mo | $192/mo |
| New Mexico | $56/mo | $148/mo |
| New York | $92/mo | $220/mo |
| North Carolina | $42/mo | $118/mo |
| North Dakota | $38/mo | $118/mo |
| Ohio | $44/mo | $118/mo |
| Oklahoma | $58/mo | $176/mo |
| Oregon | $54/mo | $138/mo |
| Pennsylvania | $58/mo | $148/mo |
| Rhode Island | $72/mo | $192/mo |
| South Carolina | $70/mo | $167/mo |
| South Dakota | $36/mo | $132/mo |
| Tennessee | $48/mo | $138/mo |
| Texas | $76/mo | $181/mo |
| Utah | $58/mo | $148/mo |
| Vermont | $42/mo | $112/mo |
| Virginia | $46/mo | $132/mo |
| Washington | $58/mo | $148/mo |
| West Virginia | $62/mo | $158/mo |
| Wisconsin | $44/mo | $118/mo |
| Wyoming | $42/mo | $148/mo |
Source: Insurances Quote internal data, May 2026. Rates illustrative; individual quotes vary by ZIP, driver record, vehicle, and credit-based insurance score.
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Frequently asked questions
How much home insurance do I need?
Dwelling = replacement cost of the structure (not market value). $200–$300/sq ft for standard builds; more for custom. Other coverages scale from there. See our coverage sizing guide.
Does bundling with auto save money?
Usually yes — 12–25% off the auto side, plus a smaller home discount. Always get a bundled quote even if you currently have separate carriers.
Are flood and earthquake covered?
No. Standard HO-3 excludes both. Flood requires a separate NFIP or private flood policy. Earthquake requires a separate endorsement or standalone (esp. CA, OR, WA, AK).
Why have my home insurance rates gone up?
Three drivers: reinsurance costs (especially in CAT-prone states), construction-cost inflation, and increased severe-weather losses. Expect rates to stay elevated through 2027.
What's the difference between actual cash value and replacement cost?
ACV depreciates payouts (you get less than what it costs to replace). Replacement cost pays what it costs to rebuild now. Always pick replacement cost coverage.
How often should I re-shop?
Every renewal. Rates have been moving fast since 2022; carriers reweight every cycle. 10 minutes of comparison is worth $200–$600/year for most homeowners.
Sources
- Insurance Information Institute — Home Insurance Basics
- NAIC — Homeowners Insurance Consumer Information
- Verisk / 360Value — Replacement Cost Methodology
Methodology
Rates from 380K shopper-submitted home-insurance comparisons through Insurances Quote (Jan 2024 – May 2026), normalized to a 3-BR, 1,800 sq ft single-family home with $420K replacement cost, $1,000 deductible, in a non-CAT-prone ZIP. State and CAT-zone variations reported separately above.
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Benchmarks by state and home value.
Home Insurance Information
Plain-English coverage explainer.
Home Insurance Rates by State
Full state-by-state breakdown.
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Advertiser Disclosure
Insurances Quote is an independent insurance marketplace. We are paid by carriers when shoppers switch to a policy we’ve helped match — never by the shopper. We don’t resell your lead data to third-party buyers, and the carrier rankings on this page reflect our composite quality score (35% claims, 30% price, 20% service, 15% digital tools), not paid placement.