In February 2026, homeowners insurance averaged $2,424 a year for a $300,000 dwelling nationwide, according to data from Bankrate.

Amica, Auto-Owners and USAA offer the best combination of cheap home insurance rates, useful coverage and reliable customer service. Amica has the cheapest home insurance quotes, compared to other ...

Homeowners insurance is much more expensive than renters insurance, which costs between $14 and $30 per month. With average annual premiums of around $1,900 for homeowners insurance, you might be ...