What Can I Expect To Pay For Home Insurance? 
The average price for home insurance can vary greatly based on several factors . If two different people applied for the same level of coverage on the exact same property , their prices could be different , based on how similar the applicants were . The primary factors that are considered for pricing home insurance include the age of the applicant , the occupation or education of the applicant -LRB- if the insurance company offers discounts for affinity groups -RRB- , the number of adults living in the residence , and the claims history for the applicant . And this is assuming we are looking at two applicants for the same property . There are factors that adjust the price based on the differences between properties as well , so the same person applying for two similar properties may receive higher or lower premiums based on the rating factors for the residence . For example , if the property has a pool , whether the pool is fenced or unfenced , the proximity to a fire hydrant , the age and type of roofing materials , and so on . Most policies I write for Home Insurance come out to be between $ 60 and $ 120 a month , depending on the level of coverage selected . But since every customer is different , and two homes on the same street will get different rates , I always recommend contacting a licensed insurance professional to obtain quotes . It 's best to get at least 2 or 3 quotes and compare both the premium amounts and the type of coverage . Do n't just buy based on price alone , or you may wind up with less coverage than you need . 