RateRoots Auto Insurance Marketplace
How much does home insurance cost in 2026?
The U.S. average is $1,915/year for a single-family home with $300K dwelling coverage. Your number depends on dwelling value, age, deductible, and state.
Free • No SSN required • Licensed carrier partners
Cost by dwelling value
| $150K | $1,082 |
| $250K | $1,612 |
| $350K | $1,915 |
| $500K | $2,438 |
| $750K | $3,184 |
| $1M+ | $4,012 |
Cost by home age
| New (< 10 yr) | $1,648 |
| 10 – 30 years | $1,915 |
| 30 – 50 years | $2,148 |
| 50+ years | $2,448 |
Cost by deductible
| $500 | $2,118 |
| $1,000 | $1,915 |
| $2,500 | $1,712 |
| $5,000 | $1,489 |
| 1% of dwelling | $1,548 |
7 ways to lower your home insurance cost
- 1Compare at least 3 carriers at renewal (saves $300–$900/yr on average).
- 2Raise your deductible from $1,000 to $2,500 or $5,000 (saves 15–25%).
- 3Bundle home + auto (saves 5–25% across both policies).
- 4Add wind/hail mitigation — storm shutters, impact-rated roof, hurricane straps.
- 5Re-inspect roof age and material — modern shingles or metal roofs cut premium.
- 6Ask about discounts — claim-free, paperless, autopay, loyalty, age-of-home.
- 7Improve credit — most states use a credit-based insurance score with 25–40% spreads.
Compare car insurance quotes in 60 seconds
Drivers can save an average of $847/year. See your rates from top carriers.
Frequently asked questions
The national average is approximately $1,915/year ($160/month) for a single-family home with $300K dwelling coverage. Costs vary widely by state — Florida averages $4,148/year while Vermont averages $682/year.
Explore more home insurance topics
Ready to lower your homeowners premium?
Compare quotes from top home insurers in your state and see your bundle savings.
