How do your home insurance rates compare to others in the country?

The National Association of Insurance Commissioners tracks premiums for HO-3 (protects your home from all perils except those that are specifically excluded) and HO-4 (renters) policies. When comparing your rates to other states, remember that factors driving premiums vary greatly across the country, such as the cost to rebuild a house (and the value of personal property inside), the types of perils covered (such as forest fires, hail and snow storms) and the policy limits and deductibles chosen by homeowners. In addition:

Texas premiums should not be compared to any other state because of Texas's unique insurance policy forms

Florida premiums are underestimated because data did not include rates from Citizens Property Insurance, Florida's insurer of last resort, which has the highest rates in the state. Also, the average includes Florida policies that include windstorm coverage and those that don't, so the average cost of a comprehensive Florida home insurance policy will be higher than the number shown.