How Much Is Homeowners Insurance? 
Homeowners Insurance premiums reflect the amount of risk that an insurance company will be assuming when insuring a home . Numerous factors affect pricing of course , so it is difficult to give a blanket response to this . Consider the amount of coverage and the deductible for example . You will pay more for a home insured to $ 450,000 than you would for one at $ 250,000 . You will pay more for a $ 500 deductible than you would for $ 1000 or more . Type of building materials , proximity to a coastal location , distance from fire hydrants and fire departments all factor in . 