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Real 2024 premium data for all 50 states. Compare HO-3, flood, landlord, and specialty coverage — then get a direct quote from top-rated carriers.

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$1,428/yr

National avg premium

FL — $2,625

Highest-premium state

ID / NV / UT — $712

Most affordable states

8 policy types

Coverage types explained

8 Types of Home Insurance

Know which policy fits your situation before you shop.

🏠

Homeowners (HO-3)

The most common policy. Covers your dwelling (open perils), other structures, personal property (named perils), liability, and loss of use. Excludes flood and earthquake by default.

$1,100–$1,500/year nationally; varies widely by state and home value.

🔑

Landlord / Rental Dwelling (DP-3)

Covers the rental dwelling structure against open perils, loss of rental income, and landlord liability. Does NOT cover tenant belongings — tenants need their own renters policy.

$1,500–$2,500/year depending on location, property type, and rent income.

🏚️

Vacant Property (DP-1)

Basic named-perils coverage for unoccupied homes. Covers fire, lightning, windstorm, hail, explosion, and vandalism. More limited than HO-3 or DP-3 because vacancy dramatically increases risk.

$800–$1,600/year depending on location, home age, and security measures.

🌊

Flood Insurance (NFIP + Private)

Covers direct physical damage from flooding — surface water intrusion not caused by a plumbing failure. NFIP caps at $250K dwelling / $100K contents. Private flood can offer higher limits, replacement cost on contents, and basement coverage.

NFIP averages $700–$1,000/year nationally. Private flood: $400–$2,000+ depending on zone and home value.

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Earthquake Insurance

Covers structural damage, personal property damage, and additional living expenses caused by earthquake. Typical deductibles are 10–15% of dwelling coverage. Does not cover tsunamis separately.

$800–$5,000+/year in California via CEA; $150–$800/year in lower-risk states.

☂️

Personal Umbrella Policy

Provides an extra layer of liability coverage above your HO-3 and auto limits. Pays when underlying policy limits are exhausted. Typically covers bodily injury, property damage, and personal injury liability.

$150–$300/year for $1 million in coverage; $75–$100 for each additional million.

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Condo Insurance (HO-6)

Covers interior improvements (walls-in), personal property, liability, and loss of use. Supplements the HOA master policy which typically covers the building shell and common areas.

$300–$600/year depending on unit size, location, and personal property value.

🚐

Mobile / Manufactured Home (HO-7)

Similar to HO-3 but written specifically for mobile and manufactured homes. Covers the structure, personal property, liability, and additional living expenses. Can be written for homes on permanent or non-permanent foundations.

$700–$1,500/year depending on home age, size, location, and whether on a permanent foundation.

Full Coverage Comparison →