How Much Is Home Insurance Usually? 
There are many factors that affect the policy premium pricing . Therefore , more questions than answers ... initially ... First of all , what State are we talking about , since rates vary greatly from State to State , not to mention significant regional variations within a State ? For one example , think of a coastal location exposure to wind vs. a dwelling located inland and not generally exposed to the same potential perils . Which one is going to present the highest chance of risk for wind damage losses ? This will definitely affect the premium . Additionally , one insurance company 's rates can vary greatly from those of another . Also , a few of the many other questions : What is the amount of intended insurance needed on the dwelling ? How old is the home ? What type of construction ? What type of fire protection and proximity to the dwelling ? What other types of protection devices and method of monitoring ? Any dangerous animal breeds ? Swimming pool ? You really need to talk to an agent about rates in your location . Ask for quotes from the strongest carriers . Ask particularly about their financial strengths and claims paying histories . Try to get carriers with A.M Best ratings of A or better , if at all possible . Additionally , many State Insurance Departments have consumer information for the public , relating to homeowner polices . Do some of your own ` on-line ' research , if possible . You can also ask other homeowners in your area about their carriers ' pricing and experiences with claims . 