What Is A Normal Home Insurance Rate? 
I would recommend asking a more specific question like `` What is a normal home insurance rate in Denver CO ? '' The range of rates are going to vary based on geographic location . I 'm in Texas and the range of rates I 've seen in Austin and San Antonio are most commonly between $ 700 - $ 1300 -LRB- but that 's just my company -RRB- . The rates are much higher in Houston and along the coast because they have a higher risk of hurricanes and tropical storm damage . If you request rates for your specific location , then local agents can respond with a more accurate answer for you . 