Home insurance market guides for every state

Alabama

Discover why Alabama has some of the highest homeowners insurance rates in 2025 and explore smart strategies to manage coverage and cut costs.

Rose Luna

September 2, 2025

Alaska

Alaska's homeowners insurance market offers affordable rates and specialized coverage for extreme weather, earthquakes, and remote properties.

Rose Luna

September 2, 2025

Arizona

Arizona home insurance rates surged 11.4% in 2024, but premiums remain below the national average as wildfire risks and inflation reshape the market.

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September 2, 2025

Arkansas

Arkansas home insurance premiums jumped 15–20% amid severe weather and insurer exits, with rates among the highest in the U.S. due to tornado risks.

Rose Luna

September 2, 2025

California

California home insurance rates are set to rise 21% in 2025 as wildfires and insurer exits strain availability, prompting new regulations to stabilize the market.

Rose Luna

September 2, 2025

Colorado

Colorado home insurance premiums now average $3,320, driven by hail, wildfire, and rising risks, making it the fourth most expensive state for coverage.

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September 2, 2025

Connecticut

Connecticut home insurance averages $1,870 annually but varies widely due to coastal exposure, winter risks, and the state’s ongoing crumbling foundation crisis.

Rose Luna

September 2, 2025

Delaware

Delaware homeowners enjoy some of the nation’s lowest insurance rates, but coastal flood and wind risks make smart coverage choices critical statewide.

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September 2, 2025

Florida

Florida home insurance shows early signs of recovery in 2025, with premiums averaging $2,625 as legislative reforms and new insurers bring cautious market optimism.

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September 2, 2025

Georgia

Georgia home insurance averages $2,004 to $2,435 annually, below the national average, but rising storm risks, roof rules, and liability concerns complicate coverage.

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September 2, 2025

Hawaii

Hawaii has the nation’s lowest base home insurance rates at $613, but separate hurricane, flood, and earthquake policies are often required and raise total costs.

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September 2, 2025

Idaho

Idaho home insurance rates rose 17% in 2024 as wildfire risks grow and insurers tighten coverage, ending the state’s long run of low-cost homeowners insurance.

Rose Luna

September 2, 2025

Illinois

Illinois home insurance rates jumped 50% since 2021, with a 27.2% State Farm hike in 2025, as severe storms and inflation reshape one of the nation’s toughest markets.

Rose Luna

September 2, 2025

Indiana

Indiana home insurance averages $2,384 annually, slightly below the national average, but rising 40% in six years due to severe storms, hail, and flood risks.

Rose Luna

September 2, 2025

Iowa

Iowa home insurance rates rose 14% in 2024 amid rising tornadoes, hailstorms, and insurer exits, as the market reels from climate-driven volatility and reduced options.

Rose Luna

September 2, 2025

Kansas

Kansas homeowners face rising insurance premiums driven by severe weather and complex risks. Learn what’s behind the costs and how to navigate them.

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September 2, 2025

Kentucky

Kentucky homeowners face rising insurance rates and increasing weather risks. Learn how to navigate coverage gaps, premiums, and key protection strategies.

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September 2, 2025

Louisiana

Louisiana homeowners face soaring insurance costs and limited options amid ongoing hurricane risk. Learn how reforms and risk strategies can help navigate the market.

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September 2, 2025

Maine

Maine homeowners enjoy the most stable insurance market in the U.S., with low premiums and strong protections despite winter risks and coastal exposures.

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September 2, 2025

Maryland

Maryland homeowners enjoy below-average premiums but face rising rates and regional risks. Learn how to manage costs and secure coverage in 2025’s market.

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September 2, 2025

Massachusetts

Massachusetts homeowners enjoy below-average premiums but face rising rates, coastal risks, and aging homes. Learn how to optimize coverage in 2025.

Rose Luna

September 2, 2025

Michigan

Michigan homeowners face rising insurance costs amid aging homes, severe weather, and credit-based pricing. Learn how to navigate coverage options in 2025.

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September 2, 2025

Minnesota

Minnesota homeowners face rising premiums and severe weather risks in 2025. Learn how to manage coverage, reduce costs, and protect your property effectively.

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September 2, 2025

Mississippi

Mississippi homeowners face some of the nation’s highest premiums due to hurricane and tornado risks. Learn how to manage coverage and lower insurance costs.

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September 2, 2025

Missouri

Missouri homeowners face high premiums due to severe storms, hail, and rising costs. Learn how to manage coverage and navigate the state’s evolving risks.

Rose Luna

September 2, 2025

Montana

Montana homeowners face steep insurance hikes due to wildfire risk and severe weather. Learn how to manage rising premiums and secure the right coverage.

Rose Luna

September 2, 2025

Nebraska

Nebraska homeowners pay some of the highest insurance premiums in the U.S. due to tornadoes, hail, and flooding. Learn how to navigate rising costs and risks.

Rose Luna

September 2, 2025

Nevada

Nevada homeowners face rising insurance costs amid wildfire, flood, and earthquake risks. Learn how to navigate coverage gaps and protect properties in 2025.

Rose Luna

September 2, 2025

New Hampshire

New Hampshire homeowners enjoy some of the nation’s lowest insurance rates, but winter weather, floods, and older homes create key coverage challenges in 2025.

Rose Luna

September 2, 2025

New Jersey

New Jersey homeowners enjoy lower-than-average premiums, but coastal storms, floods, and rising risks are reshaping the market. Learn how to stay protected.

Rose Luna

September 2, 2025

New Mexico

New Mexico homeowners face rising insurance costs driven by wildfire, flood, and construction risks. Learn key coverage options and strategies for 2025.

Rose Luna

September 2, 2025

New York

New York homeowners enjoy lower-than-average premiums, but coastal storms, flooding, and aging homes drive coverage challenges. Learn key risks and solutions.

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September 2, 2025

North Carolina

North Carolina homeowners face rising insurance costs shaped by coastal risks, strict state regulation, and recent negotiated rate hikes. Here’s how to navigate coverage in 2025.

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September 2, 2025

North Dakota

North Dakota homeowners face affordable but rising insurance costs shaped by hail, tornadoes, and Red River flooding risks. Here’s how to protect property while managing premiums.

Rose Luna

September 2, 2025

Ohio

Ohio homeowners face rising insurance costs amid record tornadoes, floods, and winter storms. Learn how to manage premiums and secure the right coverage in 2025.

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September 2, 2025

Oklahoma

Oklahoma homeowners face the nation’s highest insurance costs, nearly triple the U.S. average, driven by tornadoes, hail, and earthquakes. Learn how to manage coverage.

Rose Luna

September 2, 2025

Oregon

Oregon homeowners still pay below-average insurance premiums, but wildfire losses and climate risks are driving steep increases. Learn key coverage options for 2025.

Rose Luna

September 2, 2025

Pennsylvania

Pennsylvania homeowners pay 48% below the national average for insurance, but flooding, sinkholes, and winter storms remain risks.

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September 2, 2025

Rhode Island

Rhode Island home insurance averages $1,650–$2,080 yearly, below national costs, but coastal risks, hurricanes, and flooding drive coverage needs.

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September 2, 2025

South Carolina

South Carolina home insurance averages $2,708 a year, above the U.S. average. Hurricanes, flooding, and coastal risks drive rising premiums.

Rose Luna

September 2, 2025

South Dakota

South Dakota home insurance averages $2,827 a year, above the U.S. average. Hail, tornadoes, floods, and harsh winters drive rising premiums.

Rose Luna

September 2, 2025

Tennessee

Tennessee home insurance averages $3,085 yearly, 17% above the U.S. average. Tornadoes, floods, quakes, and wildfires drive rising premiums.

Rose Luna

September 2, 2025

Texas

Texas homeowners face soaring insurance costs and limited options. Learn what’s driving the crisis and how to protect your home in a volatile market.

Rose Luna

September 2, 2025

Utah

Utah homeowners pay some of the nation’s lowest premiums at $1,187, but wildfire, earthquake, and flood risks drive rising insurance costs in 2025.

Rose Luna

September 2, 2025

Vermont

Vermont homeowners pay below national average insurance costs, but rising premiums, floods, and winter storms make strong coverage essential in 2025.

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September 2, 2025

Virginia

Virginia homeowners pay an average of $1,840 yearly for insurance, 24% below the U.S. average, but coastal storms and winter risks drive costs.

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September 2, 2025

Washington D.C.

Washington D.C. home insurance averages $1,482 yearly, below the U.S. average. Flooding, aging infrastructure, and historic homes drive coverage needs.

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September 2, 2025

Washington

Washington home insurance averages $1,410 yearly, below the U.S. average, but rising wildfire, flood, and earthquake risks are driving higher premiums.

Rose Luna

September 2, 2025

West Virginia

West Virginia home insurance averages $1,040 yearly, well below the U.S. average. Flooding, mine subsidence, and winter weather drive key coverage needs.

Rose Luna

September 2, 2025

Wisconsin

Explore how Wisconsin's severe weather and rising costs impact home insurance, and what coverage options homeowners need to stay protected.

Rose Luna

September 2, 2025

Wyoming

Discover how Wyoming's severe weather, wildfire risk, and rising rebuild costs impact home insurance rates and what coverage options homeowners should consider.

Rose Luna

September 2, 2025