As we enter the busy home-buying season, you may be wondering which states have the highest homeowners insurance rates. Many factors impact home insurance premiums including real estate values, building and construction costs, vulnerability to catastrophes, as well as levels of economic growth and urbanization. 

According to a January 2015 study by the National Association of Insurance Commissioners (NAIC), the average homeowners insurance premium across the United States in 2012 (the most recent complete annual data available) was $1,034. That was up 5.7% from 2011, when the increase nationwide was 7.6%. 

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Jayleen R. Heft

Jayleen Heft is the digital content editor for PropertyCasualty360.com. Contact her at [email protected].

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