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Cost of home insurance

While there's no way we can predict the future, we can always protect ourselves and our property by insuring our home. Homeowners insurance is an excellent way to obtain protection from damage caused by theft and burglary, fire, injury, certain natural disasters and death caused by accidents.

The cost of home insurance is usually based on the company's past loss experience and that is why it will greatly differ from state to state and from one insurance company to another. The least expensive states when it comes to home insurance rates include: South Dakota, Washington, Iowa, Maine, Ohio, Mississippi, Oregon, Utah, Wisconsin and Idaho. The most expensive states include: Rhodes Island, Massachusetts, California, Delaware, Oklahoma, Louisiana, Florida and Texas. The average premium in Texas is roughly $1,409.

The annual premium is somewhere in the $500-$2000 range. There are various different ways you can lower the cost of your insurance. Take the time to shop around and compare the cost of different carriers. Make sure the insurer knows about the reasons for discounts. When estimating the value of the property don't forget including in the count such things as: electronic pieces, jewelry, appliances, furnishings and interior installments. Make sure you always check the rating of the insurance company you select!

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