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Costs by State explained

6 in-depth guides · updated November 2026

Premiums swing by thousands of dollars between neighbouring states for the same house. We break down average homeowners rates, the wind, hail and wildfire loadings behind them, and the state-specific rules that push a quote up or down.Average annual premium by state, updated for 2026Coastal wind pools and hurricane deductibles explainedWhy the same $300K house costs 2× more in one state than the nextState-mandated discounts and inspections worth claiming
Claims Process Condo (HO-6) Coverage Basics Deductibles Discounts & Bundling Exclusions High-Value Homes Landlord (DP-3) Liability & Umbrella Replacement Cost