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Homeowners Insurance Quote Review

See How Home Insurance Quotes Compare

What do other residents of your state pay for homeowners insurance? How does your premium stack up? Check out the Homeowners Insurance Quote Review, a snapshot of average quotes in states across the U.S., to get a better idea of what you should pay.

Average Quarterly HomeInsurance Quotes Across the U.S.

States With Lowest Average Quotes Current Quarter Comparison to National Premium Average
Oregon $444 -57%
California $539 -48%
Pennsylvania $653 -37%
Washington $655 -37%
Arizona $661 -36%

III National Average = $1,034

States With Highest Average Quotes Current Quarter Comparison to National Premium Average
Tennessee $1428 38%
Texas $1334 29%
Missouri $1109 7%
Minnesota $1092 6%
Colorado $1069 3%

Average Monthly HomeInsurance Quotes Across the U.S.

States With Lowest Average Quotes Comparison to National Premium Average
Oregon $448 -57%
California $535 -48%
Pennsylvania $653 -37%
Washington $657 -36%
North Carolina $663 -36%

III National Average = $1,034

States With Highest Average Quotes Comparison to National Premium Average
Tennessee $1642 59%
Texas $1326 28%
Minnesota $1120 8%
Missouri $1113 8%
Colorado $1071 4%

The Homeowners Insurance Quote Review reflects the average of the lowest quotes made during the most recent quarter by the HomeownersInsurance.com service for each potential customer in a state, so you can keep an eye on prices to get the best deal possible. We also compare the average quote for a state to the U.S. premium average as compiled by the National Association of Insurance Commissioners to document the difference.

Homeowners insurance rates vs. quotes - the difference?

One of the most important things in shopping for insurance is understanding how homeowners insurance rates differ from quotes. Many people use the terms interchangeably, but home insurance rates and quotes refer to two different things.

Homeowners insurance rates are set at the state level by state government officials and affect large numbers of people. Home insurance providers start with those rates but then customize policies to fit individual customers, taking into account such factors as the age and dimensions of the home, its location, and the claims history of you and of the house. Once all the factors are applied, they'll give you a home insurance quote - the amount you'll have to pay for coverage. You can understand how that number wouldn't be the same as a general homeowners insurance rate established by state government officials.

What these quotes mean for you

Many factors contribute to an individual homeowners insurance quote:

  • Geographic location: If you live in Tornado Alley, a hurricane zone, or other high-risk locations, you might pay more for home insurance.
  • Local construction costs: Typically, the more it would cost to rebuild your home after a total loss, the higher your home insurance quote will be. Our homeowners insurance calculator can help you estimate how much it will cost to rebuild.
  • Local insurance requirements: Homeowners insurance is regulated at the state level. Available coverage and prices vary by location. Call a licensed agent to learn more about variations in home insurance.

Know when your state's average homeowners insurance quote changes

If you live in one of the states with higher average quotes, make sure you're getting the best coverage for your money, as well as every available discount.

If you live in a state with lower average home insurance quotes, call now to lock in low monthly payments before they rise again. Call a licensed agent for a fast, free consultation to help you make the smartest decisions about yourpolicy.

Digging into the numbers: Q1 trends

In the first quarter of 2015, the average Oregon quote generated by HomeownersInsurance.com agents, $444 for a year's coverage, came in 57% below the national average premium of $1,034. Our average California quote of $539 was 48% below the U.S. mark.

Tennessee quotes generated by HomeownersInsurance.com, on the other hand, averaged $1,428, about 38% more than the U.S. figure. That reflects the state's vulnerability to tornadoes and other disasters. Texas residents also were quoted higher than the average national premium - $1,334, about 29% more.

Do you overpay?

Use this map to see how much other homeowners are quoted for coverage and to find out how your premium compares. You could be paying too much. If your premium looks too high, call a licensed HomeownersInsurance.com agent to compare quotes and to see whether you can lower your monthly payments.

Are you covered?

Is your premium substantially lower than the state numbers reflected here? There is such a thing as a premium that is too small. A premium hundreds of dollars below the state mean might not be as great a deal as it sounds - you might leave your home underinsured. For example, a $400 homeowners insurance policy in Tornado Alley probably won't cut it. You might prefer lower monthly payments, but when the clouds roll in, you could sorry you didn't spend more protecting your home - usually your largest investment. Call a licensed agent if you notice large discrepancies between your premium and the amounts on this page.

For more information about homeowners insurance in your area, click on your state from the list below:

What do others pay for homeowners insurance? How does your premium stack up? Check out the Homeowners Insurance Quote Review, a monthly report that provides a snapshot of average quotes recently made by the HomeownersInsurance.com service in states across the country, to get a better idea of what you should pay.

The Homeowners Insurance Quote Review measures how quotes from licensed agents who work with the HomeownersInsurance.com service stack up against the average annual homeowners premiums for policies sold in the U.S., according to the National Association of Insurance Commissioners. The HomeownersInsurance.com numbers are the average of the lowest quote offered to each consumer who seeks a quote in a given state.

Homeowners insurance rates vs. quotes - the difference?

One of the most important things in shopping for insurance is understanding how homeowners insurance rates differ from quotes. Many people use the terms interchangeably, but home insurance rates and quotes refer to two different things.

Homeowners insurance rates are set at the state level by each state's insurance department or commissioner and affect large numbers of people. Home insurance providers start with those rates but then customize policies to fit individual customers, taking into account such factors as location, claims history, and the age and dimensions of the home. Once all the factors are applied, they'll give you a home insurance quote - the amount you'll have to pay for coverage. You can see how that number would differ from a general homeowners insurance rate set by state officials.

What the Quote Review means for you

Many factors contribute to each resident's individual homeowners insurance quote:

  • Geographic location: If you live in Tornado Alley, a hurricane zone, or other high-risk locations, you might pay more for home insurance.
  • Local construction costs: Typically, the more it would cost to rebuild your home after a total loss, the higher your home insurance premium will be. Our homeowners insurance calculator can help you estimate how much it could cost to rebuild.
  • Local insurance requirements: Homeowners insurance is regulated at the state level. Available coverage and prices vary by location. Call a licensed HomeownersInsurance.com agent to learn more about variations in home insurance.

Digging into the numbers - March trends

In March, quotes generated by HomeownersInsurance.com agents for Oregon homeowners averaged $448, 57% less than the NAIC national premium average of $1,034. Our California quotes averaged $535 - 48% less than the national standard.

Among states where customers got quotes from HomeownersInsurance.com that exceed the average national premium, Tennessee homeowners received the highest average quote - $1,642, about 59% more than the national number. Second was Texas, where our quotes averaged $1,326, 28% higher than the average premium.

Do you overpay?

Check to see whether your premium exceeds numbers in the Quote Review. If it does, call a licensed HomeownersInsurance.com agent to compare quotes and see whether you lower your monthly payments.

Are you covered?

Is your premium substantially lower than the state numbers reflected here? There is such a thing as a premium that is too small. A premium hundreds of dollars below the state quote average might not be as great a deal as it sounds - you might be leaving your home underinsured. For example, a $400 homeowners insurance policy in Tornado Alley probably won't cut it. You might prefer lower monthly payments, but when the clouds roll in, you'll wish you'd invested more in your protecting your home. Remember, your policy will only reimburse you up to your coverage limits. Expenses beyond your limits will be your responsibility. Call a licensed HomeownersInsurance.com agent if you notice large discrepancies between your premium and the amount on this page.

Find your state in the following list and click on it for additional information:

About the Homeowners Insurance Premium Report

The HomeownersInsurance.com Quote Review reflects the average of the lowest quote per customer available from HomeownersInsurance.com's carriers for homes where the replacement cost ranges between $190,000 and $330,000. For a state to qualify for the review, quotes must have been made by HomeownersInsurance.com agents for at least 100 homes meeting that criteria in the state during the previous 12 months.HomeownersInsurance.com quotes were made for various providers including Travelers, The Hartford, Safeco Insurance, Liberty Mutual, MetLife, Progressive, ASI/Ark Royal and Foremost. These quotes may not be typical for all customers. For more information, read about factors that affect insurance.