State and City Homeowners Insurance Guide

Use our state and city guide to learn about the homeowners insurance factors, requirements and laws unique to your state, city, or hometown.

Regardless of where you live in the US, if you have a mortgage, you’ll have homeowners insurance. Mortgage lenders require it before they will loan you the money to buy a home.

Anyone with a mortgage in the US will have homeowners insurance. But the specifics of home insurance vary depending on where a homeowner lives. Different states face very different home insurance hazards and natural disaster risks. For instance, if you live in Texas, your risk of flooding is much greater than it would be in Maine. Likewise, if you’re in Oklahoma, the threat of tornadoes is very different than it would be in Washington State.

Coverage for a given hazard can range from “needed but pricey”, to “cheap but unnecessary”, depending on the state. For instance, earthquake coverage is not included in a standard home insurance policy in California. It may be added, but it will carry a six figure deductible. This limits its usefulness unless you have a few hundred thousand dollars sitting around. While in other states, Iowa for instance, this coverage could be added to home insurance policies for almost nothing. That's because the risk of a major earthquake in the state is low.

Other factors set states apart when it comes to home insurance as well. For example, not all home insurance carriers operate in every state. In states with more carriers, one would expect more competition and lower home insurance rates, other things being equal.

Speaking of rates, homeowners insurance rates are another factor that varies quite a bit from one state to the next. The average homeowners insurance rate in the most expensive state, Florida, is about double the national average. Going the other direction, the average home insurance rate in the least expensive state, Idaho, is only half the national average.

As you can see, the state where you live has a large impact on your homeowners insurance. We produced this guide as an educational resource to help consumers become more informed about home insurance in their state. What prompted us to create this guide was the realization that there was no website that compiled relevant state-specific home insurance information. The most valuable asset that most people own is their home. Since homeowners insurance is what’s protecting your home, you want to make sure you get it right. Read on to make sure that you and your home are truly protected by your homeowners insurance.