Is Homeowners Insurance Expensive? 
Expensive is a different definition for everyone ! Credit plays a huge part in homeowners insurance in many states . So if you have a great credit score your insurance will be much lower than if you have bad credit . Here is my best advice . If you are looking for a home get an agent to give you a quote on the average range of home value you are considering . It will give you a ballpark . Bottom line of you can not qualify for the loan due to the monthly insurance premium then you need to lower the value of the home you are considering or do n't buy . 