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These states pay the least for homeowners' insurance in 2026
Slideshow June 01, 2026 at 08:48 AM
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The average U.S. homeowner now pays $2,966 annually for insurance coverage, according to The Zebra's 2026 State of Insurance report — an increase of $164 from 2025's average. Rising construction costs, higher labor expenses and growing exposure to severe weather events are among the factors driving these costs upward year after year.
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