Tarifas para seguro de viviendas

How Much Does Homeowners Insurance Cost?

how much does homeowners insurance cost? The average cost of homeowners insurance in the U.S. is $1,428 per year, or $119 per month.2 However, when it comes to seguro de viviendas, there’s no one-size-fits-all pricing. Rates can vary on a number of factors, but having homeowners insurance is important because it can help cover the costs if your home or personal belongings are damaged from a covered incident.
 

What Factors Affect Homeowners Insurance Rates?

To determine home insurance premium, home insurance companies will often look at your:
 

Home’s Replacement Cost

The more your home costs to replace after a covered loss, the higher your homeowners insurance rate will be. It’s important to insure your home for the right amount, because if your homeowners insurance policy doesn’t cover the entire cost to rebuild your home, you would be responsible for paying the difference.
 

Home’s Age

If your home is older, you may pay higher home insurance rates. Generally, the older the home is, the more difficult and costly it can be to rebuild it if it were lost in a covered incident.
 

Home’s Location

The geographic location of your home matters. If your home is on the beach, it could increase your homeowners insurance rate because of the area’s higher exposure to windstorms. If your house is near a fire department, it could lower the cost of your homeowners insurance policy because your homeowners insurance company may see your house as safer and easier to protect from a fire than a home farther from a station.
 

Perros

Owning a pet can have an impact on your homeowners insurance rate.
 

Claims History

If you’ve had a number of claims submitted, it can increase your homeowners insurance cost.
 

Type of Home

The materials used in the construction of your home may impact your homeowners insurance cost. If you live in a wood home, you may pay a higher rate because of the home’s susceptibility to fire and wind damage.
 

Roof Construction

Your roof’s materials and design can also affect your homeowners insurance rate. For example, you may pay a higher cost if your roof is made of wood, since wood roofs are more prone to fire damage than slate roofs. Gable roofs are more susceptible to wind damage than some other roof designs, which could also impact your home insurance costs.
 
A homeowners insurance policy is there when the unexpected strikes, helping cover the costs if your home or personal belongings are damaged from a covered incident. For covered losses, you have protection if you are found responsible for someone getting injured or for property damage.
 
When deciding on a plan for your property, it’s important to remember that not all homeowners insurance policies are the same. At The Hartford, our home insurance program is endorsed by the AARP®, and we pride ourselves on helping homeowners determine the coverage they need to make sure their homes are protected. The Hartford doesn’t just help secure your home. We can also help you save money. Get your home insurance quote today.
 

How Is Home Insurance Calculated?

how is home insurance calculated? From location and rebuilding costs to the type of dog you have, a few different elements will determine your home insurance rate.
 
You want to avoid underinsuring your home. If this happens and you need to rebuild, your homeowners insurance policy won’t help cover the entire cost. To make sure you have the right coverage limits, you can contact your insurance company to help figure out how much it would cost to completely rebuild your home if it were destroyed in a storm. They will also factor in the labor costs with the total cost of the home.
 
Where you live also impacts your rate. A quote for a homeowners insurance policy could change depending on your home’s location. For example, the average annual cost of homeowners insurance in Alabama is $1,631, but in Idaho, the average annual cost is $905.3
 

How Much Does Homeowners Insurance Cost in Your State?

Home insurance prices can be affected by localized factors. If you live in a state that is more susceptible to storms or natural disasters, your homeowners insurance rate may be higher. That’s because your home is more at risk of being damaged. Labor costs in the area are factored into your rate as well.
 
Use our insurance calculator table below to get an idea of what the average rates look like in your state.4
Estado Average Annual Premium Average Monthly Premium

Alabama

$1,631

$136

Alaska

$1,056

$88

Arizona

$1,268

$106

Arkansas

$2,123

$177

California

$1,225

$102

Colorado

$2,152

$179

Connecticut

$1,244

$104

Delaware

$679

$57

Florida

$1,981

$165

Georgia

$1,394

$116

Hawaii

$382

$32

Idaho

$905

$75

Illinois

$1,410

$117

Indiana

$1,225

$102

Iowa

$1,318

$110

Kansas

$3,083

$257

Kentucky

$2,009

$167

Louisiana

$1,992

$166

Maine

$947

$79

Maryland

$1,164

$97

Massachusetts

$1,199

$100

Michigan

$1,527

$127

Minnesota

$1,930

$161

Mississippi

$1,900

$158

Missouri

$1,769

$147

Montana

$1,736

$145

Nebraska

$2,951

$246

Nevada

$889

$74

Nueva Hampshire

$736

$61

Nueva Jersey

$775

$65

Nuevo México

$1,789

$149

Nueva York

$1,506

$126

Carolina del Norte

$1,294

$108

Dakota del Norte

$1,900

$158

Ohio

$1,140

$95

Oklahoma

$3,659

$305

Oregon

$723

$60

Pennsylvania

$760

$63

Rhode Island

$1,223

$103

Carolina del Sur

$1,172

$98

Dakota del Sur

$2,105

$175

Tennessee

$1,755

$146

Texas

$1,967

$164

Utah

$696

$58

Vermont

$658

$55

Virginia

$887

$74

Washington

$948

$79

Washington, D.C.

$893

$74

West Virginia

$1,125

$94

Wisconsin

$890

$74

Wyoming

$954

$79
Other localized factors that can impact home insurance rates include:
 
  • Location: If you live near a coastline or large body of water, your house has more risk of windstorm damage than a home that was built more inland. If you live in a state that is more prone to natural disasters, your homeowners insurance rate may be higher than a home in a state that rarely sees tornadoes or hurricanes. For example, a person living in California may have a higher homeowners insurance rate than a person living in Pennsylvania because the state they live in is more prone to wildfires.
  • Labor and Construction: When you take out a homeowners insurance policy, you’ll have to factor in the square footage and cost to rebuild your home if it’s completely destroyed in a covered event. When you’re trying to determine this amount, it’s important to think about labor and construction costs. If the state or area you live in has high construction costs, this could end up increasing your homeowners insurance rate. Or if your area offers lower construction costs, your insurance rate could decrease.
  • Regulations: Each state has its own unique building codes and regulations. If you live in a home that was built before the regulations were passed, it’s likely your home doesn’t conform to all the building codes and regulations. If the house is destroyed, you may have to rebuild it to meet the newer regulations, which could be more expensive. However, in these cases, The Hartford offers Ordinance or Law coverage as an optional endorsement you can add to your policy for more protection. This helps cover the increased construction costs to meet new codes and regulations.
We’re here to help you determine the coverage you need. Our specialists at The Hartford can answer your questions and get you the homeowners insurance policy that fits your home best.
 

Why Home Insurance Rates Increase

why home insurance rates increase According to the Insurance Information Institute (III), some key factors that may influence homeowners insurance rates include:5
 
  • Increases in extreme weather events: Catastrophic weather events, like hurricanes, tornadoes and severe thunderstorms, can cause damage to homes and other types of personal property, resulting in insurance losses. The more extreme weather events there are per year, the more losses there may be, which could affect homeowners insurance rates.
  • Higher material costs: Rising costs for building materials, such as concrete or lumber, may increase the cost to repair or rebuild your home. This could have an impact on your homeowners insurance premium.

Save on Homeowners Insurance Rates

Although there are numerous factors that can impact your homeowners insurance rate, there are also a variety of things that can help you save on your policy, including:
 
  • Your roof’s age: Your roof protects you and your family from all sorts of weather. Depending on how old it is, it could also save you some money on your premium. You may see some homeowners insurance rate savings if your roof is newer.
  • Claims: If you have a clean claims history, your insurance rate may decrease. To an insurer, a clean claims history means you and your home are safe and protected. If you haven’t needed to file a claim in a certain time period, you may receive a discount on your premium.
  • Types of coverage: If you bundle your home and auto coverage with The Hartford, you can save up to 5% on your auto insurance and 20% on home, condo or renters insurance.**
  • Deductible: The amount you choose for your home insurance deductible on your homeowners insurance policy affects your rate. If you choose a higher deductible, you may receive a reduced premium cost.

Why Choose The AARP Homeowners Insurance Program From The Hartford?

For over 200 years, The Hartford has protected homeowners and their properties. We’ve earned our reputation as an insurance company you can trust, which you can see by our high ratings in customer and claims service.
 
The AARP® Homeowners Insurance Program from The Hartford1 gives you an opportunity to customize how you protect your home.
 
And we make getting a homeowners insurance quote quick and easy. Get your online quote today. If you have any questions about your quote or you’d like to speak to a representative, call us at 877-422-2345.
 
 
Última actualización: 20 de julio de 2023
 
2,3,4 Bankrate, “Average homeowners insurance cost in July 2023”
 
5 Insurance Information Institute (III), “Triple-I Brief Explains Rising Homeowners’ Insurance Premium Rates”
** El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y viviendas AARP de The Hartford.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
 
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
 
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
 
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.
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