Homeowners insurance rates are rising across the U.S., driven by climate change, rising cost of building materials and surging home prices. Almost half of property insurance policy holders in the U.S.

Bankrate's home insurance affordability ranking: Extreme weather and poor credit are affordability barriers The national average cost of home insurance is $2,470 per year, or $206 per month. Highest ...

Homeowners in these 14 states pay at least $1,100 less than the national average for home insurance.

The cost of home insurance in the United States rose by ~89% between 2014 and 2025, as rapidly climbing home prices, more frequent extreme weather events and inflation impacted insurers and homeowners ...