How Much Is Home Insurance?

When you buy a house, one of your first questions is “How much does home insurance cost?” Rates vary widely based on location, home value, and coverage choices. Our ZIP-code tool helps you compare real-time quotes in minutes and find the right policy for your budget.

Instead of guessing, see personalized estimates online. Enter your ZIP code below to get started.

Online ZIP-Code Estimates

No sign-up or obligation—just enter your ZIP code to view live home insurance rates from top carriers.

Compare multiple quotes instantly.

Key Cost Factors

• Deductible: Higher deductibles lower your premium—but raise your out-of-pocket if you file a claim.
• Home Value: Premiums reflect the replacement cost of your property. An accurate appraisal helps avoid overpaying.
• Claims History: Fewer past claims typically mean lower rates, as insurers view you as lower risk.
• Upgrades & Features: Renovations, security systems, and risk mitigations earn discounts.
• Personal Belongings: High-value items like jewelry or art may require endorsements—factor these into your total cost.
• Additional Living Expenses: Coverage for temporary housing can add to your premium but provides necessary peace of mind.

You can also explore our The Zebra insurance quotes comparison to view rates from multiple carriers at once and find the best deal for your home.

What Homeowners Insurance Covers

1. Coverage A (Dwelling): Protects the physical structure against fire, wind, and vandalism; optional endorsements cover flood or earthquake.
2. Coverage B (Other Structures): Insures detached structures—garages, sheds, fences—usually at a percentage of your dwelling limit.
3. Coverage C (Personal Property): Covers belongings—furniture, electronics, clothing—up to your chosen limit, based on replacement cost.
4. Coverage D (Loss of Use): Pays extra living expenses if your home is uninhabitable after a covered loss.
5. Coverage E (Liability): Protects you if someone is injured on your property or you cause damage, including legal defense costs.
6. Coverage F (Medical Payments): Covers small medical expenses for guests injured at your home, regardless of fault.

Saving on Your Premium

• Bundle Policies: Combine home with auto or life insurance for multi-policy discounts.
• Increase Security: Install smoke detectors, burglar alarms, and deadbolts for rate credits.
• Shop Annually: Rates change—compare quotes each year to lock in the best deal.
• Check Ratings: Visit our Insurance Companies Ratings to evaluate carrier stability and service.

Final Thoughts

Determining your home insurance cost involves many factors. By understanding your deductible, coverage limits, and personal risk profile, you can make smarter choices and save. Start your quote now by entering your ZIP code above—get clarity on your premium in minutes.

Military members and their families can access exclusive benefits—get a USAA home insurance quote to compare affordable rates, superior service, and member-only discounts.

Ready to secure the best coverage? Revisit your ZIP code above to see updated rates and ensure your home is protected with a policy tailored to your needs.