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Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.
Michael Reynolds, CSRIC®, AIF®, CFT-I™, is a financial advisor, principal and founder of Elevation Financial, host of the weekly personal finance podcast Wealth Redefined®, and a member of the Financial Review Council at Policygenius.
While the cost of homeowners insurance in the U.S. is around $158 a month, rates can vary greatly depending on where you live and the amount of coverage in your policy.
Policygenius analyzed home insurance rates provided by Quadrant Information Services in March 2022 for over 30,000 ZIP codes in all 50 states plus Washington, D.C. Our sample quotes for each company and ZIP code were for a 40 year-old homeowner with no claims history, good credit, a $1,000 deductible, and the following coverage limits:
Given the fact that both population size and premium amounts can vary drastically depending on where you live, we a-signed weights to each ZIP code based on its population of homeowners, according to U.S. Census Bureau data; and to companies based on their market share presence in each state, according to Quadrant Information Services. Once weights were a-signed to each ZIP code and company, we were able to calculate our national average home insurance rate.
GST taxpayers can't claim any pending input tax credit if this return is not filed by November 30, 2024 for FY 2023-24
