Aside from choosing their home itself, finding proper insurance coverage is one of the most important decisions homeowners make. On average, homeowners in the United States pay just over $2,400 each year for $300,000 of dwelling coverage, or about $200 per month.
For many, this is no insignificant line in their budget, and with household funds already stretched thin due to inflation and other economic factors, homeowners must take great care in choosing a policy and provider.
According to the latest 2025 data from Bankrate, states in the U.S. with the highest homeowners insurance premiums (for $300,000 of dwelling coverage) include:
- Nebraska: $6,366 per year
- Louisiana: $6,274 per year
- Florida: $5,761 per year
- Oklahoma: $4,613 per year
- Kansas: $4,402 per year
The states where homeowners enjoy the lowest premiums include:
- Vermont: $816 per year
- Alaska: $957 per year
- Delaware: $966 per year
- New Hampshire: $1,040 per year
- West Virginia: $1,048 per year
With so much riding on choosing the correct insurance carrier and policy, insureds can’t afford to cut corners. In the slideshow above, we’ll review five simple tips for homeowners policyholders to maintain proper (and affordable) insurance coverage, courtesy of Forbes.
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