Methodology & data sources
Transparency is the core of our E-E-A-T. This page documents exactly where our numbers come from, what is measured data and what is a derived estimate, and the formula behind the premium estimator.
Where the premiums come from
Every per-state and national average annual premium on this site is the HO-3 (homeowner package policy) average from the NAIC Homeowners Insurance Report, using 2022 data — the latest year the NAIC has published (released May 2025). Insurance reporting runs roughly two years behind, so these are the most recent verified averages available, not current quotes. The national HO-3 average is $1,569, up about 11.26% year over year, and HO-3 represents roughly 78.99% of insured owner-occupied exposures. We cross-check the figures against the Insurance Information Institute, which republishes the NAIC averages.
Data sources
| Source | Refresh cadence | License |
|---|---|---|
| NAIC Homeowners Insurance Report (Data for 2022, released May 2025) | annual | Public information — National Association of Insurance Commissioners |
| Insurance Information Institute (III) — Homeowners insurance facts & statistics | annual | III — used as a cross-check of the NAIC averages |
What we derive (and label as estimates)
- Rank and vs-national. A state's rank (1 = most expensive) and its percentage difference from the $1,569 national average are simple calculations over the NAIC averages.
- Cost band. "Very high / high / near average / low / very low" is a plain-language bucket based on the percentage difference from the national average.
- Premium estimator & "by coverage" figures. These use a coverage-scaling model: a state's NAIC average is treated as the premium near a $200k–$300k dwelling-coverage home, then multiplied by a coverage-band factor (e.g. x1.28 at $300k–$400k, x2.0 at $500k+). These factors are an approximation of how premium rises with rebuilding cost — they are clearly labeled as estimates and are not published NAIC band dollar figures. The estimator runs entirely in your browser and stores nothing.
No fabrication
All 50 states and DC appear in the verified NAIC table, so no value is invented. If a jurisdiction were missing from the source, we would render it as "N/A" rather than guess.
Limitations (YMYL)
Homeowners insurance is a Your-Money-or-Your-Life topic. These figures are countrywide averages and planning estimates for general information only — not quotes, not advice. Your actual premium depends on your home's rebuilding cost, age, roof, deductible, claims history, credit and insurer, and current premiums are higher than the 2022 data shown. Always get real quotes from licensed insurers and verify with your state insurance department. See our disclaimer.
Last updated: 2026-06-20