¿Cuánto cuesta el seguro de viviendas?
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?
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.
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?
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
According to the Insurance Information Institute (III), some key factors that may influence homeowners insurance rates include:5