Home insurance cost in 2026
How Much Is Homeowners Insurance per Month?
Home insurance on our sample $300,000 house averages $258 a month ($3,101 a year) across the 50 states and D.C., from $73 in Vermont (2 insurers) to $852 in Florida, with prices as of Sept. 30, 2026. Condo insurance averages $40 a month and renters insurance $21.
Use the calculator below to see your state’s price for a house, a condo or an apartment, where it ranks among the 50 states and D.C., how far apart insurers priced it and how it moved since Aug. 31. These are sample prices built from the rates insurers file with state regulators, not quotes or offers.
- $258/mohomeowners, $300,000 house
- $40/mocondo, 50 states and D.C.
- $21/morenters, 50 states and D.C.
- 13,199ZIP codes priced, 50 states and D.C.
- $300,000 dwelling
- $1,000 deductible
- 2% hurricane deductible
- $300,000 liability
- Built 1997
- 2,000 sq ft, wood frame
- Composition roof
Rates as of Sept. 30, 2026 · Page updated Oct. 29, 2026
Same house, different state
Sample $300,000 house, per month
Cheapest and priciest of the 50 states and D.C.
Prices as of Sept. 30, 2026. Sample prices, not quotes. Vermont’s figure rests on 2 insurers, and California’s on 4 insurers of which only 2 priced most ZIP codes. All 51 places →
Home, condo and renters calculator
What Does the Same Home Cost to Insure in Your State?
Enter your ZIP code and choose a house, a condo or an apartment. You get the average price for the same sample home in your state, monthly and yearly, its rank among the 50 states and D.C., the spread between insurers and the change since Aug. 31, 2026.
Not in this calculator yet: home value, roof age, claims, credit and your deductible. Every price here is for one sample home, so yours will differ.
Find your state in the table of all 51 places below for the same house’s, condo’s and apartment’s prices.
Try 33602 (Tampa), 78701 (Austin) or 43215 (Columbus).
- Homeowners, $300,000 house
- $258/mo
- Condo
- $40/mo
- Renters
- $21/mo
- Where
- 50 states and D.C.
We couldn’t match that ZIP code to a state. Check the number, or find your state in the table below.
· homeowners (HO-3)condo (HO-6)renters (HO-4)
/mo
a year for our sample housecondoapartment · not a quote
- of 51
- the 50-state and D.C. average of $258$40$21
- priced in ZIP codes
- since Aug. 31, 2026
Same housecondoapartment, different insurer: insurer averages in run from to a month.
Lowest average among insurers that sell to anyone and priced at least 90% of ZIP codes: . Cheaper insurers in the range above sell only to members or priced only part of the state.
We don’t name one lowest insurer here, because which insurer is lowest depends on your ZIP code and your home. The page lists every insurer we priced.
Based on in , so compare quotes before you rely on it.
Our condorenters price requests didn’t include a hurricane deductible, so these prices leave out hurricane coverage, a large part of the cost on the coast.
Our house price request sets a 2% hurricane deductible in every state: $6,000 on our $300,000 house, paid by you before the policy pays for hurricane damage.
home, condo and renters insurance rates →
Cite this number
, sample homeowners (HO-3) policy on a $300,000 housecondo (HO-6) policyrenters (HO-4) policy: a month ( a year), prices as of Sept. 30, 2026; average of across ZIP codes in . Leaves out hurricane coverage. Source: InsuranceQuotes.com home insurance calculator.
Your price will differ: your home’s value, age and roof, your claims and your credit all change it.
Compare home insurance quotesCompare condo insurance quotesCompare renters insurance quotes
Sample home: a 2,000-square-foot house built in 1997, insured for $300,000 with a $1,000 deductible, $150,000 for belongings, $300,000 liability and a 2% hurricane deductible; owner 40 with good credit and no claims in 10 years. Average across ZIP codes and the insurers we priced, one price per insurer per ZIP code, from rates filed as of Sept. 30, 2026. Flood and earthquake need separate policies. Not a quote.
Sample condo: a 2,000-square-foot unit in a 2005 building with $60,000 for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. Rates filed as of Sept. 30, 2026. Flood and earthquake need separate policies. Not a quote.
Sample renter: an apartment built in 2005 with $40,000 for belongings, $300,000 liability and a $1,000 deductible. Rates filed as of Sept. 30, 2026. Flood and earthquake need separate policies. Not a quote.
Your home, your price
House value
How Much Is Home Insurance on a $400,000 House?
About $323 a month (about $3,880 a year) across the 50 states and D.C., on our national dwelling ladder; a $500,000 house is about $390 a month and a $200,000 house about $193. A $350,000 house falls between our $300,000 figure ($258) and the $400,000 one ($323).
Pick a dwelling amount
Choose the amount closest to what it would cost to rebuild your house, not its market price.
- $200,000$193/mo · $2,320/yr
- $250,000$226/mo · $2,710/yr
- $300,000$258/mo · $3,101/yr
- $400,000$323/mo · $3,880/yr
- $500,000$390/mo · $4,680/yr
A national shape, derived: our 50-state and D.C. average for the sample house at $300,000, adjusted by the typical difference between dwelling amounts in national rate studies. Not a state price and not a quote. Prices as of Sept. 30, 2026.
Why your state matters more than the house
The ladder is a national shape. Where the house sits changes the price far more: the same $300,000 house costs $73 a month in Vermont and $852 in Florida.
For a house worth more or less than $300,000 in your state, start from your state’s price in the calculator. A bigger house costs more to insure, but we haven’t measured by how much in each state, so compare quotes for your own house.
Our sample house averages under $200 a month in 20 of the 50 states and D.C. and more than that in 31.
Step by step
How Do I Calculate My Home Insurance?
A home insurance price comes from what it would cost to rebuild your house, where it is and the coverage you choose. You can work out a fair range in five steps:
- Find your rebuild costInsure the house for what it would cost to rebuild, not its market price; a builder or your insurer can help. Many policies pay full replacement on a partial loss only if you insure at least 80% of that cost.
- Start from your stateEnter your ZIP code above to see what the same $300,000 house costs to insure in your state.
- Adjust for your houseA bigger rebuild cost, an older roof, recent claims or weaker credit push the price up; newer roofs, alarms and a higher deductible bring it down.
- Check the separate deductiblesWind, hail and hurricane damage can carry a percentage deductible, and flood and earthquake need separate policies.
- Compare real quotesGet at least three quotes for the same dwelling amount, deductible and liability limit.
Is an Online Home Insurance Calculator Accurate?
Ours is accurate for what it measures: the average price insurers’ filed rates produce for one sample home in your state, as of Sept. 30, 2026. It can’t see your house. Your rebuild cost, roof, claims, credit and exact address change the quote, and insurers can price the same house far apart, which is why each result shows the insurer spread.
Does Your ZIP Code Change Home Insurance?
Yes. Storm, wildfire and crime risk, fire protection and rebuilding costs change from one ZIP code to the next, so insurers price ZIP codes differently. Our calculator uses your ZIP code only to find your state; each state page and its city pages show how prices vary within the state.
Deductibles and what isn’t covered
How Do Wind, Hail and Hurricane Deductibles Work?
Most home policies have a flat deductible for most claims, such as our sample house’s $1,000. Many also have a separate deductible for wind, hail or hurricane damage, set as a percentage of the dwelling amount, so a storm claim can cost you far more out of pocket than the flat deductible suggests.
- $3,0001% of $300,000
- $6,0002% of $300,000
- $15,0005% of $300,000
The house we priced carries a 2% hurricane deductible in every state, which is $6,000 on $300,000, so every house price on this page is for a policy with it. It only comes into play for hurricane damage, which is most likely on the Gulf and Atlantic coasts. Hurricane deductibles usually apply only to damage from a named storm, and wind or hail deductibles of 1% to 5% are common where storms are frequent. Check your declarations page for yours.
Is flood or earthquake damage covered?
No. Flood isn’t included in a standard home, condo or renters policy, and neither is earthquake damage. Both need separate policies: flood insurance through the National Flood Insurance Program or a private insurer, and earthquake insurance as a separate policy or an add-on where insurers offer it. None of the prices on this page include either.
Renting or own a condo?
How Much Is Renters Insurance a Month?
About $21 a month ($256 a year) on average across the 50 states and D.C. for our sample renter with $40,000 for belongings and $300,000 liability. It runs from $7 in Maine (1 insurer) to $58 in Michigan.
Renters insurance covers your belongings, your liability if someone is hurt and extra living costs if the apartment becomes unlivable; your landlord’s policy covers the building. In Florida, South Carolina and Louisiana, our renters prices leave out hurricane coverage. More in our renters insurance guide.
Each bar is one of the 51 places; green bars average under $21 a month for renters insurance (prices as of Sept. 30, 2026).
How Much Does Condo Insurance Cost?
About $40 a month ($481 a year) on average across the 50 states and D.C. for our sample condo with $60,000 for the unit, $60,000 for belongings and a $1,000 deductible. It runs from $14 in Wyoming (2 insurers) to $79 in California.
A condo policy (HO-6) covers the inside of your unit, your belongings and your liability; the association’s master policy covers the building’s structure and shared areas. Check what the master policy leaves to you before you pick your unit coverage. In Florida, South Carolina and Louisiana, our condo prices leave out hurricane coverage.
Each bar is one of the 51 places; green bars average under $40 a month for condo insurance (prices as of Sept. 30, 2026).
Straight answers from our data
Is My Home Insurance Price a Lot?
Where your monthly price sits among the 51 place averages for the same house, condo or apartment. For our sample house, the middle place is $231 a month and the 50-state and D.C. average is $258.
Check your own price
$200 a month is more than the average for our sample $300,000 houseaverage for our sample condoaverage for our sample renter in 20 of the 50 states and D.C., and less than in 31; it equals the average in 0less than the average for our sample $300,000 houseaverage for our sample condoaverage for our sample renter in all 51 places (the 50 states and D.C.)more than the average for our sample $300,000 houseaverage for our sample condoaverage for our sample renter in all 51 places (the 50 states and D.C.). Averages from our rate data, not quotes.
Where prices changed since Aug. 31
For the same sample homes and the same rules, 14 of the 51 places changed price for the house between Aug. 31 and Sept. 30, 2026, 10 for the condo and 9 for renters. The calculator shows the change for your state and policy.
Bigger moves come from rate filings and insurers entering or leaving a state, so compare quotes at every renewal.
All 51 places
Home Insurance Cost for the Same Home in Every State
One sample house, condo and apartment in every state and D.C. Tap a state for its insurers, cities and local risks, or see home insurance rates by state.
What the same home costs to insure in each state, per month: homeowners (sample $300,000 house), condo and renters, insurers priced for the house, and the house’s change from Aug. 31 to Sept. 30, 2026 (prices as of Sept. 30, 2026)
| State | Homeowners (HO-3) | Condo (HO-6) | Renters (HO-4) | Insurers priced (house) | House, change since Aug. 31 |
|---|---|---|---|---|---|
| Alabama | $276/mo | $54/mo | $25/mo | 3 | No change |
| Alaska | $139/mo | $34/mo | $19/mo | 4 | No change |
| Arizona | $263/mo | $66/mo | $28/mo | 5 | No change |
| Arkansas | $320/mo | $42/mo | $29/mo | 4 | No change |
| California | $111/mo4 insurers, 2 priced most ZIPs | $79/mo3 insurers, 2 priced most ZIPs | $20/mo4 insurers, 2 priced most ZIPs | 4 | Down 0.1% |
| Colorado | $361/mo | $52/mo | $18/mo | 4 | Up 0.5% |
| Connecticut | $288/mo | $38/mo | $16/mo | 4 | No change |
| Delaware | $136/mo | $29/mo | $19/mo | 3 | No change |
| Florida | $852/mo | $60/mono hurricane coverage | $20/mono hurricane coverage | 3 | No change |
| Georgia | $211/mo | $66/mo | $30/mo | 5 | No change |
| Hawaii | $141/mo | $45/mo | $18/mo | 5 | Up 1.1% |
| Idaho | $209/mo | $29/mo | $18/mo | 4 | No change |
| Illinois | $232/mo | $51/mo | $25/mo | 4 | Down 6.6% |
| Indiana | $227/mo2 insurers | $32/mo | $23/mo | 2 | No change |
| Iowa | $301/mo | $20/mo | $18/mo | 5 | Down 0.7% |
| Kansas | $313/mo | $42/mo | $22/mo | 4 | Down 1.7% |
| Kentucky | $294/mo2 insurers | $38/mo | $19/mo | 2 | No change |
| Louisiana | $497/mo | $73/mono hurricane coverage | $33/mono hurricane coverage | 3 | No change |
| Maine | $117/mo | $19/mo1 insurer | $7/mo1 insurer | 3 | No change |
| Maryland | $262/mo | $45/mo | $25/mo | 5 | No change |
| Massachusetts | $148/mo | $28/mo | $23/mo | 3 | No change |
| Michigan | $382/mo | $58/mo | $58/mo | 4 | Up 0.3% |
| Minnesota | $272/mo | $57/mo | $20/mo | 4 | No change |
| Mississippi | $332/mo | $37/mo | $33/mo | 3 | No change |
| Missouri | $432/mo | $44/mo | $24/mo | 4 | Up less than 0.1% |
| Montana | $492/mo | $23/mo | $21/mo | 4 | No change |
| Nebraska | $370/mo | $30/mo | $19/mo | 4 | No change |
| Nevada | $146/mo | $47/mo | $19/mo | 5 | Down 4.6% |
| New Hampshire | $107/mo | $32/mo | $15/mo | 5 | No change |
| New Jersey | $126/mo | $35/mo | $21/mo | 5 | No change |
| New Mexico | $232/mo | $22/mo | $18/mo | 3 | No change |
| New York | $161/mo | $32/mo | $16/mo | 5 | No change |
| North Carolina | $293/mo | $33/mo | $21/mo | 4 | No change |
| North Dakota | $215/mo | $32/mo | $16/mo | 4 | Down 4.0% |
| Ohio | $171/mo | $28/mo | $19/mo | 5 | No change |
| Oklahoma | $474/mo | $60/mo | $26/mo | 4 | No change |
| Oregon | $119/mo | $37/mo | $23/mo | 3 | No change |
| Pennsylvania | $224/mo | $33/mo | $25/mo | 5 | No change |
| Rhode Island | $231/mo2 insurers | $38/mo | $20/mo | 2 | No change |
| South Carolina | $165/mo | $31/mono hurricane coverage | $28/mono hurricane coverage | 3 | No change |
| South Dakota | $313/mo | $27/mo | $14/mo | 5 | Up 7.8% |
| Tennessee | $238/mo | $45/mo | $20/mo | 4 | No change |
| Texas | $640/mo | $75/mo | $18/mo | 4 | Up 0.6% |
| Utah | $176/mo | $51/mo | $18/mo | 5 | No change |
| Vermont | $73/mo2 insurers | $19/mo | $11/mo | 2 | No change |
| Virginia | $317/mo | $36/mo2 insurers | $24/mo | 5 | No change |
| Washington | $134/mo | $44/mo | $17/mo | 3 | No change |
| Washington, D.C. | $165/mo | $34/mo | $26/mo | 4 | Down 0.6% |
| West Virginia | $183/mo | $25/mo | $19/mo | 5 | Up 1.4% |
| Wisconsin | $148/mo | $27/mo | $17/mo | 4 | No change |
| Wyoming | $148/mo | $14/mo2 insurers | $11/mo2 insurers | 3 | No change |
Where only 1 or 2 insurers priced a policy, or only 2 priced most ZIP codes, we say so under the price. In Florida, South Carolina and Louisiana, our condo and renters prices leave out hurricane coverage.
Home insurance in 62 larger cities with their own guide
- Birmingham, AL$189/mo
- Anchorage, AK$133/mo
- Phoenix, AZ$444/mo
- Fort Smith, AR$328/mo
- Little Rock, AR$311/mo
- Fresno, CA$122/mo
- Los Angeles, CA$133/mo
- San Diego, CA$109/mo
- San Francisco, CA$86/mo
- San Jose, CA$86/mo
- Aurora, CO$448/mo
- Colorado Springs, CO$429/mo
- Denver, CO$408/mo
- Bridgeport, CT$328/mo
- Wilmington, DE$99/mo
- Miami, FL$1,494/mo
- Orlando, FL$637/mo
- Tampa, FL$665/mo
- Atlanta, GA$204/mo
- Aurora, IL$233/mo
- Chicago, IL$236/mo
- Fort Wayne, IN$196/mo
- Indianapolis, IN$251/mo
- Cedar Rapids, IA$282/mo
- Des Moines, IA$310/mo
- Wichita, KS$348/mo
- Lexington, KY$248/mo
- Louisville, KY$292/mo
- New Orleans, LA$607/mo
- Baltimore, MD$273/mo
- Boston, MA$173/mo
- Minneapolis, MN$277/mo
- St. Paul, MN$281/mo
- Kansas City, MO$510/mo
- St. Louis, MO$415/mo
- Missoula, MT$372/mo
- Lincoln, NE$348/mo
- Henderson, NV$143/mo
- Las Vegas, NV$152/mo
- Jersey City, NJ$144/mo
- Newark, NJ$153/mo
- Albuquerque, NM$198/mo
- Las Cruces, NM$169/mo
- Charlotte, NC$172/mo
- Raleigh, NC$206/mo
- Cleveland, OH$173/mo
- Columbus, OH$178/mo
- Portland, OR$110/mo
- Philadelphia, PA$347/mo
- Providence, RI$217/mo
- Charleston, SC$188/mo
- Sioux Falls, SD$273/mo
- Nashville, TN$223/mo
- Austin, TX$419/mo
- Dallas, TX$612/mo
- Houston, TX$905/mo
- San Antonio, TX$391/mo
- Salt Lake City, UT$174/mo
- Virginia Beach, VA$549/mo
- Charleston, WV$179/mo
- Madison, WI$149/mo
- Milwaukee, WI$150/mo
Each city guide prices the same $300,000 house in that city’s ZIP codes (per month, prices as of Sept. 30, 2026).
Home insurance by state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, D.C.
- West Virginia
- Wisconsin
- Wyoming
FAQ
Home Insurance Calculator Questions, Answered
How much is homeowners insurance per month on average?
For our sample $300,000 house, $258 a month ($3,101 a year) on average across the 50 states and D.C., with prices as of Sept. 30, 2026. The middle place is $231 a month, and Florida is the most expensive at $852.
How much is homeowners insurance for a $500,000 house?
About $390 a month ($4,680 a year) on our national dwelling ladder, which adjusts our $300,000 average by the typical difference in national rate studies. Your state changes it far more than the house value does.
Is $200 a month a lot for home insurance?
Not for most of the country. Our sample $300,000 house averages more than $200 a month in 31 of the 50 states and D.C., and less in 20. The 50-state and D.C. average is $258 a month.
What is the 80% rule in homeowners insurance?
Many policies pay the full replacement cost of a partial loss only if you insure the house for at least 80% of what it would cost to rebuild. Insure for less and the insurer can pay a smaller share of the claim. Check your own policy’s wording.
Is flood damage covered by home insurance?
No. Standard home, condo and renters policies leave out flood, so you need a separate flood policy from the National Flood Insurance Program or a private insurer. Earthquake damage also needs its own policy.
How much is renters insurance a month?
About $21 a month on average across the 50 states and D.C. for our sample renter, from $7 in Maine (1 insurer) to $58 in Michigan.
How much does condo insurance cost on average?
About $40 a month ($481 a year) across the 50 states and D.C. for our sample condo, from $14 in Wyoming (2 insurers) to $79 in California.
What is a hurricane deductible?
A separate deductible for damage from a named storm, usually 1% to 5% of the dwelling amount. On a $300,000 house, a 2% hurricane deductible means you pay the first $6,000 of hurricane damage.
Does the calculator give me a home insurance quote?
No. It shows average prices from the rates insurers file with state regulators, for one sample home. A quote is the price an insurer offers for your own home after it checks your details.
How often are these home insurance prices updated?
After each new release of rate data. The prices on this page are as of Sept. 30, 2026, and each state’s figure equals the one on its state home insurance page.
Methodology and sources
How We Calculate These Home Insurance Prices
Rate data and the sample homes
Every price comes from licensed rate data from Quadrant Information Services, built from the rates insurers file with state regulators. We priced the same sample house, condo and apartment with the insurers in each of the 13,199 ZIP codes in our data across the 50 states and D.C., kept one price per insurer per ZIP code, averaged each ZIP code, then averaged the ZIP codes in each state.
The house: a 2,000-square-foot, two-story wood-frame house with a composition roof, built in 1997, insured for $300,000 with $150,000 for belongings, $300,000 liability and a $1,000 deductible; owner 40, good credit, no claims in 10 years. It also carries a 2% hurricane deductible in every state. Protection class 3 (fire department rating), 1,000 feet from a hydrant, 3 miles from a fire station and 10 miles from the coast.
The condo and the renter: a 2,000-square-foot condo unit in a 2005 building ($60,000 unit, $60,000 belongings) and an apartment built in 2005 ($40,000 belongings), each with $300,000 liability and a $1,000 deductible. Our condo and renters price requests set no hurricane deductible in any state; we label Florida, South Carolina and Louisiana, where hurricanes are a large part of the cost.
More details
50-state and D.C. figures: the average of the 51 state figures, so each state counts once. Change over time: the same sample home under the same rules, Aug. 31 to Sept. 30, 2026.
Insurers we name: we name the lowest average for a house only where an insurer that sells to anyone priced at least 90% of the state’s ZIP codes and led the next insurer by 5% to 30%, at least 3 insurers were priced and the state page names the same insurer. Condo and renters results don’t name one. Where only 1 or 2 insurers priced a policy, we say so next to the price. Full home method.
House values other than $300,000: the dwelling ladder applies the typical difference between dwelling amounts in national homeowners rate studies published from Nov. 2025 to Oct. 2026 to our $300,000 average. It is a national shape, not a state price.
What isn’t included: flood and earthquake damage need separate policies, and in Florida, South Carolina and Louisiana our condo and renters prices leave out hurricane coverage. These are sample prices for comparison, not quotes or offers.
About this page
Who we are: InsuranceQuotes.com has helped insurance shoppers since 2005. It is part of AWL (All Web Leads, Inc.), 9004 Anderson Mill Road, Unit A, Austin, TX 78729, and its licensed agency is AWL Insurance Agency, Inc. (National Producer Number 18056901).
We update these figures after each new release of rate data, and this calculator, the home rates by state page and each state page show the same number for the same state.
Ready to compare
- About the Author
- Latest Posts
Autumn Cafiero Giusti is a licensed life and health insurance broker and award-winning journalist with more than 20 years of experience. She writes extensively about flood, Medicare, home, and life insurance for publications like U.S. News and CBS News.
