As we enter the busy home-buying season, you may be wonderingwhich states have the highest homeowners insurance rates. Manyfactors impact home insurance premiums including real estatevalues, building and construction costs, vulnerability tocatastrophes, as well as levels of economic growth andurbanization.

According to a January 2015 study by the National Association ofInsurance Commissioners (NAIC), the averagehomeowners insurance premium across the United States in 2012 (themost recent complete annual data available) was $1,034. Thatwas up 5.7% from 2011, when the increase nationwide was7.6%.

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Jayleen R. Heft

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