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A bird's eye view of home insurance premiums across the nation

Average 12-Month Home Insurance Rates

[Updated: July 2010]

Roll over your state to see what homeowners in your state may be paying, on average, for homeowners insurance. For more information click a state and get home insurance data for your U.S. county and city. Please note that rates reflect average premiums on a statewide basis.*

Largest Rate Decreases
Nebraska 17.6 %
Maine 13.6 %
Connecticut 12.9 %
South Carolina 11.0 %
District of Columbia 3.5 %
Largest Rate Increases
Utah 16.6 %
Mississippi 8.5 %
Delaware 4.9 %
Virginia 4.8 %
Vermont 3.5 %
Average Premiums
For Homeowners Countrywide
Jul 2010$637.26
Jun 2010$639.31
May 2010$638.00
Apr 2010$668.30
Mar 2010$672.50
Feb 2010$679.14

Source: © 2010 HomeInsurance.com

KEY:   Rate Increase   Rate Decrease   Minimal Change   Data N/A
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
*These rates are average rates based on policies sold by HomeInsurance.com over the past 12 months. These rates reflect policies sold by HomeInsurance.com with various providers including Travelers, The Hartford, Safeco and Progressive. These rates may not be typical for all customers. For more information, read about factors that affect homeowners insurance rates.

Home Insurance Shopping Trends: Summer 2010

48% of HomeInsurance.com customers that purchased coverage last month say that they rarely shop their homeowners insurance policy. Even if you are satisfied with your home insurance provider, it is recommended by the Insurance Information Institute that you review your policy at least twice a year to make sure you are adequately covered and qualifying for all available discounts.

84% of HomeInsurance.com customers that purchased coverage last month said that they had previously seen their home insurance rates steadily increase with their prior carrier. However, customers who purchased a home insurance policy with HomeInsurance.com in the 4th quarter of 2009 reported an average savings of $556/year on their home and auto insurance.

19% of HomeInsurance.com customers that purchased coverage last month reported that their provider’s financial strength and ratings were the top reason they selected them to be their homeowners insurance company. This is why HomeInsurance.com has partnered with the leading home insurance companies in the country including Travelers, The Hartford and Safeco- all rated ‘A’ or better by A.M. Best Company.

Affordable Rates Drive Consumer Purchasing Decisions in 2nd Quarter 2010

Homeowners concerned with their home insurance premiums reported that finding affordable rates was their main goal while purchasing home insurance last month.

 

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