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Get Home Insurance Quotes

Shopping for homeowners insurance isn’t something you do every day. Once you’ve picked a policy, you’re likely to stick with it for at least a year. That means it’s important to compare home insurance quotes and make sure you’re getting a good price before you buy. Fill out some personal information to see home insurance matches.
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Frequently asked questions

What is homeowners insurance?

A homeowners policy is insurance that protects you financially if a fire damages your home, someone steals your belongings or another catastrophe strikes. Homeowners insurance is generally required by mortgage lenders.

What does homeowners insurance cover?

Homeowners insurance typically covers your house and everything in it from damage due to fire, wind, heavy snow and other disasters known as “perils.” The loss of use section of your policy reimburses you for hotel stays or other expenses if you need to move out of your home during covered repairs. And your policy’s liability coverage will pay if you injure someone else or damage their property.

What does home insurance not cover?

Standard homeowners policies don’t cover damage due to flooding, earthquakes, landslides or infestations. Nor will they cover everyday wear and tear or problems caused by neglect.

You may be able to buy extra insurance to cover some of these problems. For example, flood insurance is available through the National Flood Insurance Program and private providers.

How much does homeowners insurance cost?

The average cost of homeowners insurance in the U.S. is $1,765 per year, according to NerdWallet’s rate analysis. However, this cost varies based on where you live, the size of your house and how much coverage you need.

How much is homeowners insurance in your state?

State

Average annual rate

Average monthly rate

National average

$1,631

$136

Alabama

$2,330

$194

Alaska

$1,205

$100

Arizona

$1,589

$132

Arkansas

$2,684

$224

California

$1,359

$113

Colorado

$2,098

$175

Connecticut

$1,163

$97

Delaware

$747

$62

Florida

$1,993

$166

Georgia

$1,682

$140

Hawaii

$483

$40

Idaho

$1,038

$87

Illinois

$1,610

$134

Indiana

$1,431

$119

Iowa

$1,700

$142

Kansas

$3,644

$304

Kentucky

$2,614

$218

Louisiana

$2,531

$211

Maine

$1,124

$94

Maryland

$1,231

$103

Massachusetts

$1,309

$109

Michigan

$1,301

$108

Minnesota

$1,921

$160

Mississippi

$1,983

$165

Missouri

$2,281

$190

Montana

$2,009

$167

Nebraska

$3,201

$267

Nevada

$964

$80

New Hampshire

$806

$67

New Jersey

$947

$79

New Mexico

$1,343

$112

New York

$1,017

$85

North Carolina

$1,833

$153

North Dakota

$2,083

$174

Ohio

$1,009

$84

Oklahoma

$3,548

$296

Oregon

$912

$76

Pennsylvania

$872

$73

Rhode Island

$1,312

$109

South Carolina

$1,787

$149

South Dakota

$2,230

$186

Tennessee

$2,124

$177

Texas

$3,257

$271

Utah

$890

$74

Vermont

$801

$67

Virginia

$1,119

$93

Washington

$1,141

$95

Washington, D.C.

$1,218

$102

West Virginia

$1,205

$100

Wisconsin

$1,193

$99

Wyoming

$1,317

$110

Top-rated homeowners insurance companies

These insurers earned a score of at least 4.5 out of five in our ratings of the best homeowners insurance companies:

  • Chubb

  • Nationwide

  • NJM

  • Amica

  • Country Financial

  • Erie

  • The Hanover

  • Hippo

  • Kin

  • Travelers

  • USAA*

*USAA homeowners insurance is available only to active military, veterans and their families.

Note: Not all insurers are available in all states.

How we ranked the top home insurance companies: NerdWallet’s editorial team considered coverage options, discounts, complaint data from the National Association of Insurance Commissioners, financial strength grades from AM Best and more to determine the best homeowners insurance companies. As we continue to evaluate more insurance providers and receive fresh data, this list of best home insurance companies is likely to change.

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