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The US national average homeowners insurance premium is about $1,569/year (NAIC 2022, latest available). See how all 50 states and DC compare, from Oregon to Florida.

Florida and Louisiana have the priciest home insurance in the US. Hurricanes, reinsurance costs, litigation and roof-claim fraud explain why - and why rates keep climbing.

Set your dwelling coverage to your home's full replacement cost - not its market value or your mortgage balance. A practical guide to sizing every coverage in an HO-3 policy.

HO-3 is the standard homeowners policy; HO-5 is a broader, pricier upgrade. The key difference is how your personal property is covered - named perils vs open perils.

Seven legitimate ways to cut your homeowners insurance premium - raise your deductible, bundle, shop yearly, mitigate risk and claim every discount - while keeping full coverage.

Replacement cost is what it takes to rebuild your home, not what it would sell for. Why it sets your dwelling coverage, how to estimate it, and what RCV vs ACV settlement means.