How much home insurance costs

Most homeowners pay $100 to $350 a month. Here is the short version, and where to see the full breakdown.

By the InsuranU team Updated July 20263 min read

Home insurance runs $100 to $350 a month for most homeowners, but the real number depends on a handful of specifics.

The short version

Insurers price your home on rebuild cost, location risk, age and the coverage U pick, not on what the house would sell for.

Our cost guide walks through national ranges, a live estimator, and the factors that move your price most, so U can see where U land.

Compare matched options in a few minutes. It is free and there is no obligation.

The factors insurers weigh before they price your home.

The levers that actually move your price.

See the real ranges, with a live estimator.

Is home insurance based on my home value?

No. It is based on rebuild cost, which can be higher or lower than market value.

Where can I see full pricing detail?

Our cost guide has the full breakdown, with a live estimator for your situation.

Tell us about your home and your life. We will match you with quotes built around U.