Average homeowner insurance premiums in the U.S. 2016, by state

This statistic shows the average premiums for homeowners insurance in the United States in 2016. In that year, the residents of the state of Oklahoma had to pay on average 1,875 U.S. dollars for homeowner insurance.

Average premiums for homeowners insurance in the United States in 2016, by state

Average premiums in U.S. dollars
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Sources

Release date

2019

Region

United States

Survey time period

2016

Supplementary notes

*The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.
**Data provided by the California Department of Insurance.
According to the source, based on the HO-3 homeowner package policy for owner occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling.

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Statistics on "Insurance industry in the United States"

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