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Consumer guide, not a quote engine. Every cost figure on this site is sourced. Last reviewed April 2026.
2026 Edition · Independent Consumer Guide

How much is home insurance in 2026? The real range, with sources.

The 2026 US national average is not a single number. Across four major industry sources it ranges $2,490 to $3,548 per year for a typical single-family home, or roughly $207 to $296 per month. "Average" does not mean "yours." Your premium depends on eleven specific factors. We show the math, cite every figure, and do not rank carriers.

What the national average actually means

Four reputable publishers track home insurance costs and four publish different averages. The gap is not fraud. It reflects three real methodological differences.

Coverage assumption. NerdWallet and Bankrate price a $300,000 dwelling. MoneyGeek prices $250,000. A bigger base policy costs more; a smaller one costs less. A side-by-side apples-to-oranges comparison alone produces a $1,000 gap with no underlying disagreement.

Data methodology. Insurify analyses quote data from its licensed brokerage platform, so its figures reflect what its users actually see when shopping. Insurance.com leans on NAIC filed-rate data and published state averages. NerdWallet blends both. Each approach is defensible, none is identical.

Date. Home insurance rates rose about 12% nationally in 2025 and Insurify projects another +4% average in 2026, with Louisiana (+58%), Michigan (+48%), and Virginia (+37%) leading. A page published in January 2026 will already trail a page refreshed in April.

Our approach: publish the range, cite the source and date per figure, and refuse to stamp a single fake number across fifty states. When we do state the midpoint, we flag it as a midpoint.

Sources: NerdWallet, Insurance.com, Insurify 2026 report, Bankrate, MoneyGeek. Accessed April 2026.

Estimate your premium from real factors

Pure client-side math. No lead form. No email capture. No quote handoff. Every multiplier below is sourced on the sources page, and the tool tells you when credit is ignored in your state.

Factor-based estimator

No lead form
Estimated annual premium range
$3,152 to $4,265
Midpoint $3,708 / year · about $309 / month
This is a rough estimate, not a quote. Carriers use proprietary scoring (ZIP-level catastrophe risk, CLUE claims history, specific roof material, insurer appetite) that this tool cannot see. The real answer is to request quotes from at least three licensed carriers.

Source: baseline indexed to NerdWallet & Insurify 2026 national averages; state indices from NerdWallet and Insurance.com state tables; roof-age multipliers from Insurify 2025 underwriting data; deductible savings from NerdWallet; credit tier impact from Experian 2025 (banned in CA, HI, MA, MD). See full sources.

Open the full-page estimator with credit and construction inputs →

The eleven factors that decide your premium

Home insurance carriers start with a base rate for your state and territory, then multiply it by a stack of factor scores. Below is the full list with typical impact. Full breakdown with citations.

Location (state + ZIP)
Wind, wildfire, hail, hurricane, and litigation environment differ by state. Florida averages around 2.8x the national figure; New Hampshire runs well under half.
Dwelling coverage amount
Roughly linear up to $500k, then sub-linear above. Carriers offer a marginal rate discount per $1k above the mainstream band.
Roof age and material
Insurify reports the annual premium gap between a sub-5yr roof and an 11 to 15 year roof widened from $49 in 2022 to about $155 in 2025. Roofs over 20 years often get forced onto ACV.
Home age and systems
Older electrical, plumbing, and roofing materials cost more. MoneyGeek shows a $1,000+ annual gap between 1959 and 2020 builds at identical coverage.
Construction type
Brick and masonry typically cost less than wood frame in wind zones. Manufactured and mobile homes cost more.
Claims history (CLUE)
One recent claim adds 10 to 20%. Two in five years can add 30 to 50% or force non-renewal. Weather-only claims typically hurt less.
Credit-based insurance score
Excellent vs poor credit can differ $2,000+/yr (Experian). Banned in CA, HI, MA, MD.
Deductible choice
$1,000 to $2,500 saves roughly 9% (NerdWallet). Hurricane deductibles are separate and percentage-based.
Personal liability limit
Moving Coverage E from $100k to $500k typically adds under $50/yr.
Endorsements and riders
Water backup adds $50 to $150; scheduled jewelry runs 1 to 2% of item value; extended replacement cost adds a small percent and can save five figures after a total loss.
Insurer appetite / market cycle
Carriers periodically close books in certain ZIPs (FL, CA, LA) or restrict new business. The last insurer standing sets the price.

Monthly cost by dwelling coverage

Per-$1,000-of-coverage cost is not linear. Larger homes get a marginal rate discount above $500k dwelling, so a $1M home typically does not cost 3.3x a $300k one. Source-attributed ranges below.

Full table with $100k to $1.5M tiers →
DwellingAnnual rangePer month
$150,000$1,350 - $1,800$113 - $150
$250,000$2,050 - $2,700$171 - $225
$300,000$2,490 - $3,200$207 - $267
$400,000$3,100 - $4,000$258 - $333
$500,000$3,700 - $4,800$308 - $400
$750,000$5,100 - $6,800$425 - $567
$1,000,000$6,400 - $8,800$533 - $733
Source: NerdWallet dwelling-tier data (April 2026) and ValuePenguin cost-by-coverage table (2026). Ranges reflect differences across those two sources; actual regional variation is wider.
Cheapest 5 states
RankStateAvg / yrSource
1Vermont$1,068Insurance.com 2026
2New Hampshire$1,119Insurance.com 2026
3Oregon$1,223NerdWallet 2026
4Hawaii$1,399NerdWallet 2026
5Delaware$1,569Insurance.com 2026
Most expensive 5 states
RankStateAvg / yrSource
1Florida$7,136Insurance.com 2026
2Louisiana$5,679Insurance.com 2026
3Oklahoma$5,395Insurance.com 2026
4Nebraska$4,620Insurance.com 2026
5Kansas$4,022Insurance.com 2026
Full 50-state table comparing NerdWallet, Insurify and Insurance.com →
Source: Insurance.com 2026 state averages. Accessed April 2026. Figures reflect HO-3 policy at that publisher's stated coverage assumption.

Frequently asked questions

How much is home insurance per month in 2026?
Industry sources for 2026 put the US average between about $207 and $216 per month, based on annual figures of $2,490 (NerdWallet), $2,543 (Insurance.com), and $2,592 (Insurify) for a typical $300,000 dwelling. At $250,000 coverage MoneyGeek reports $3,548 per year, or about $296 per month. Your own premium depends on location, dwelling amount, roof age, deductible choice, claims history, credit (in most states), and construction type.
Why do different websites give different averages for home insurance?
Three reasons. First, coverage assumption: NerdWallet uses $300,000 dwelling and Insurance.com uses similar, while MoneyGeek prices a $250,000 figure. Second, methodology: some sites aggregate online quotes, others use NAIC state rate filings. Third, date: figures reprice quarterly and some pages lag. We publish the full source range rather than invent a single number.
Is $2,000 a year a lot for home insurance?
For a $300,000 home in a low-catastrophe state (NH, VT, UT, OR) $2,000 per year is above average. In Florida, Louisiana, Oklahoma, or Texas the same coverage typically costs substantially more. Compare your premium to your state average on our state table rather than the national figure.
What is the 80% rule in home insurance?
If you insure your dwelling for less than 80% of its replacement cost, a partial claim will pay pro rata rather than in full. Example: a home with a $400,000 replacement cost insured for $280,000 (70%) suffers a $100,000 fire loss. The carrier pays roughly 70 over 80 of the loss, or about $87,500, minus your deductible. Insuring to at least 80% of replacement cost avoids this penalty.
Does home insurance cover flood or earthquake damage?
No. Standard HO-3 and HO-5 policies exclude flood and earthquake across all 50 states. Flood is covered by a separate NFIP policy (federal) or private flood carrier. Earthquake is covered by a state programme (CEA in California) or a private earthquake carrier elsewhere. See our flood and earthquake cost pages.
How much can I save by raising my deductible?
Raising your flat deductible from $1,000 to $2,500 saves about 9% on average, per NerdWallet. Going from $500 to $1,000 saves roughly 5% to 10%. The savings only pay off if you can cover the higher out-of-pocket amount when you file a claim. Note that wind, hurricane, and named-storm deductibles are often percentage-based and apply separately.
Why did my home insurance go up so much at renewal?
Rates rose about 12% nationally in 2025 and Insurify projects another 4% average in 2026, with some states far higher. The typical reasons for a bigger jump: construction-cost inflation raising replacement values, a claim (yours or a common loss in your area), a roof passing an age threshold, a re-rate triggered by credit score changes in non-banned states, or your carrier retreating from your ZIP. Our factors page breaks down each.
Last reviewed: April 2026Next review: July 2026. Full sources »

Updated 2026-04-27