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 Insurance Information Institute on 2019 premiums.