State-By-State Average Homeowners Insurance Costs

Every homeowner knows that average homeowners insurance costs vary not only depending on the state they reside in but also as a result of a number of other factors. The condition your home is in represents how risky you are to your insurance company. Average homeowners insurance costs depend on several internal factors which can be improved by installing your home with anti-theft and fire safety devices as well as properly maintaining your home every way you can.

However, average homeowners insurance costs are also factored by external factors like what state you’re in. In order to find the most competitive homeowners insurance in your state you should compare homeowners insurance quotes online. For the fastest results, compare up to five homeowners insurance quotes right now through our online forms.

The National Association of Insurance Companies has compiled a list of the top ten most expensive and least expensive states for homeowners insurance in 2006. Here are the top 10 most expensive average homeowners insurance costs with the average premium:

1. Texas - $1,409
2. Florida - $1,386
3. Louisiana - $1,257
4. Oklahoma  $1,018
5. District of Columbia - $1,012
6. Mississippi - $998
7. California - $937
8. Massachusetts - $925
9. Rhode Island - $919
10. Alabama - $894

Now the top 10 least expensive average homeowners insurance costs with the average premium:

1. Idaho - $477
2. Wisconsin - $490
3. Utah - $494
4. Oregon - $502
5. Delaware - $530
6. Ohio - $530
7. Maine - $573
8. Iowa - $596
9. Washington - $603
10. South Dakota - $628

The main factor in why some states have such high average homeowners insurance costs is the result of their susceptibility to natural disasters. For example, Florida and Louisiana are known for housing extreme tropical storms; Texas and Oklahoma are home to a high frequency of devastating torandoes; and California is probably the most susceptible state in the entire country to earthquakes. Homes in these states are incredibly high risk to insure and thus will yield higher average homeowners insurance costs.

Don’t Be Fooled By Average Homeowners Insurance Costs

You can control your own destiny regarding what you pay for homeowners insurance. You can compare up to 5 home insurance quotes right now through our forms. If you take care of your home internally and compare homeowners insurance quotes from at least three companies before deciding on the most affordable and encompassing policy then you can be confident knowing that you have secured the most competitive insurance rate for your region. To learn more about average homeowners insurance costs for your area then talk to a home insurance agent today.