2026 Cost Data
Home Insurance Costs by State
The average U.S. homeowner pays $2,478 a year for $300,000 of dwelling coverage in 2026 — but state averages range from $984 in Vermont to $6,060 in Florida. Weather exposure — hurricanes, hail, wildfire — drives most of the gap.
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Average annual premium by state
$300K dwelling coverage, $1,000 deductible, 2026 averages.
Bundling home + auto
Most carriers discount both policies when you bundle — commonly 10–25% combined. If you drive, run the auto rate check too and tell us you're interested in bundling; we'll carry your details over so you don't type them twice.
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