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Homeowners Insurance Quick Links

Did You Know?

Colorado is in the
top 10 states with catastrophe-related homeowners insurance claims.

Cost of Homeowners Insurance

Rates vary according to how likely it is a claim will be filed and how much it will likely cost. For example, a homeowner living in a wildfire-prone area would pay a higher insurance rate than a homeowner living in a low risk area.

How your insurance rates are set also depends in part on which state you live in, because rates are regulated on a state-by-state basis. The insurer has to follow the regulations of the state you live in. For more information on insurance rating and regulation, click here.

Click on your state below to contact your state insurance department.

Colorado | New Mexico | Utah | Wyoming

Cost of Homeowners Insurance by State

The following chart is based on the latest data from the National Association of Insurance Commissioners on 2012 premiums.

State 2012 Average Premium 2012 Rank
Alabama $1,248 6
Alaska $942 25
Arizona $691 44
Arkansas $1,096 15
California $980 22
Colorado $1,038 18
Connecticut $1,160 9
Delaware $678 45
D.C. $1,103 14
Florida $2,084 1
Georgia $975 23
Hawaii $957 24
Idaho $538 51
Illinois $881 28
Indiana $840 33
Iowa $779 40
Kansas $1,213 8
Kentucky $916 27
Louisiana $1,742 2
Maine $741 42
Maryland $837 34
Massachusetts $1,150 11
Michigan $802 37
Minnesota $1,140 12
Mississippi $1,314 5
Missouri $1,091 16
Montana $871 29
Nebraska $1,040 17
Nevada $674 46
New Hampshire $848 30
New Jersey $981 21
New Mexico $844 31
New York $1,158 10
North Carolina $927 26
North Dakota $1,038 18
Ohio $721 43
Oklahoma $1,501 4
Oregon $567 50
Pennsylvania $804 36
Rhode Island $1,233 7
South Carolina $1,134 13
South Dakota $789 38
Tennessee $1,008 20
Texas $1,661 3
Utah $580 49
Vermont $782 39
Virginia $843 32
Washington $648 47
West Virginia $771 41
Wisconsin $631 48
Wyoming $821 35
United States $1,034 N/A

Additional Information
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