| Top 10 Most Expensive And Least Expensive States For Homeowners 探花精选 Premiums, 2022 (1) |
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| Rank (2) |
Most expensive states |
Average premium (3) |
Rank (2) |
Least expensive states |
Average premium (3) |
| 1 |
Florida |
$2,677 |
1 |
Oregon |
$893 |
| 2 |
Louisiana |
2,603 |
2 |
Utah |
937 |
| 3 |
Texas (4) |
2,397 |
3 |
Nevada |
948 |
| 4 |
Oklahoma |
2,268 |
4 |
Wisconsin |
957 |
| 5 |
Colorado |
2,079 |
5 |
Ohio |
995 |
| 6 |
Rhode Island |
2,074 |
6 |
Idaho |
1,002 |
| 7 |
Mississippi |
1,907 |
7 |
Arizona |
1,018 |
| 8 |
Massachusetts |
1,871 |
8 |
Michigan |
1,056 |
| 9 |
Nebraska |
1,869 |
9 |
Maine |
1,077 |
| 10 |
Connecticut |
1,814 |
10 |
Delaware |
1,103 |
(1) Includes state funds, residual markets and some wind pools.
(2) Ranked from highest to lowest. States with the same premium receive the same rank.
(3) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(4) Texas data were obtained from the Texas Department of 探花精选.
Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average premiums and does not endorse any conclusions drawn from this data.
Source: National Association of 探花精选 Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC. |
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