Avg. annual premium: **$3,216** in 2025 (Insurify data).
Costs vary: **$1,488** in NH, over **$7,300** in FL for $400K homes.
Premiums depend on location, coverage limits, credit score, deductible, home age, and claims history.
Raising credit score, increasing deductible, and shopping around can lower insurance costs.
Nationwide, Amica, and USAA offer some of the least expensive homeowners insurance.