Homeowners can get rates as low as $40/month

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Enter your ZIP code and answer a few quick questions to get matched with top providers in your area. You could be eligible for rates as low as $75/month.

What home insurance actually costs right now

Home insurance rates vary by ZIP code, home age, replacement cost, and coverage level. These figures show the current national benchmark and state extremes.

$2,543 / year

National avg. for $300K dwelling / year

$7,136

Florida average - highest in the US

$659

Hawaii average - lowest in the US

Source: insurance.com, April 2026. Based on $300K dwelling coverage. Rates vary by ZIP code, home age, and coverage level.

Homeowners insurance is required if you have a mortgage, but shopping around for the best rates makes good financial sense whether you're required to have coverage or not. In our March 2026 analysis, POND found that homeowners could overpay for insurance by an average of $1,847 per year by not comparing rates.

Because home insurance companies set their prices differently for every homeowner based on factors like location, home value, and claims history, the best insurer for your neighbor might not be the best for you.

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Home Insurance

Where can you find the best home insurance quotes?

POND's team of editors found that State Farm has the best home insurance rates among large insurers, on average, according to our March 2026 analysis. But it's more complicated than just looking for the cheapest price. Three factors could determine which quotes are best for you.

Cost.

Home insurance rates are different at every company, which is why we recommend getting more than one quote. State Farm has the best rates for homeowners at $1,200 per year for a standard policy, but those same homeowners pay an average of $1,800 a year for comparable coverage from some competitors.

Coverage.

The best home insurance quotes are for the coverage you actually need. Standard homeowners insurance typically includes dwelling coverage, personal property, liability, and additional living expenses.

Quality.

The company with the best quotes for you should combine affordable coverage with a dependable, time-tested reputation for customer service and efficient claims processing.

POND regularly analyzes thousands of home insurance rates to show you estimates of what you might pay in different scenarios and for different levels of coverage.

Since rates change so much from person to person, the more detail you provide insurers about your home's features, your property's location, and any security systems or upgrades, the more personalized your quotes will be.

Questions people ask before they compare

My homeowners insurance went from $1,800 to $3,200 in two years. Is this happening everywhere? Ollie's take: Yes - and your increase is close to the national trend. Construction costs, severe weather, and carrier exits have pushed rates higher.

What does homeowners insurance actually cover? I realized I have no idea what I'm paying for. Ollie's take: A standard policy usually covers your home's structure, belongings, liability, and temporary living costs, but floods and earthquakes are common gaps.

My carrier non-renewed my Florida home policy. What are my options? Ollie's take: Your options may include Citizens Property Insurance, private carriers still writing in-state, or surplus-line carriers for harder-to-insure homes.