CINXE.COM

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</script> <title>Average homeowners insurance cost in November 2024 | Bankrate</title><meta name="description" content="Bankrate can help you understand how much home insurance costs in 2024."><meta name="Category" content="homeowners-insurance"><meta name="SubCategories" content="insurance"><meta name="pageuuid" content="34120334-8cf0-4a7e-822b-a2e5a7312c6d"><meta name="ContentSrc" content="sb:130782745"><meta name="PageType" content="rates-results"><link rel="canonical" href="https://www.bankrate.com/insurance/homeowners-insurance/homeowners-insurance-cost/"><meta name="robots" content="index, follow"><meta property="og:title" content="Average homeowners insurance cost in 2024 | Bankrate"><meta property="og:description" content="Bankrate can help you understand how much home insurance costs in 2024."><meta property="og:url" content="https://www.bankrate.com/insurance/homeowners-insurance/homeowners-insurance-cost/"><meta property="og:site_name" content="Bankrate"><meta property="og:image" content="https://a.storyblok.com/f/102997/1280x720/6551340d12/insurance-average-cost-of-homeowners-insurance_.jpg"><meta name="twitter:card" content="summary"><meta name="twitter:site" content="@bankrate"><meta name="twitter:title" content="Average homeowners insurance cost in November 2024 | Bankrate"><meta name="twitter:description" content="Bankrate can help you understand how much home insurance costs in 2024."><meta name="twitter:image" content="https://a.storyblok.com/f/102997/1280x720/6551340d12/insurance-average-cost-of-homeowners-insurance_.jpg"><script type="application/ld+json">{"@context":"https://schema.org","@type":"WebPage"}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Is home insurance cheaper if you pay monthly?","acceptedAnswer":{"@type":"Answer","text":"While this can vary between insurance companies, homeowners insurance can be cheaper when paid in full at the time of purchase and each renewal instead of monthly installments. When insurance payments are broken down into installments, most companies apply monthly service fees ranging from $5 to over $10 more. However, many insurance companies offer paid-in-full discounts and eliminate service fees when the entire amount is paid in full. Keep in mind that if your homeowners insurance is escrowed with your mortgage, your insurance is likely being paid in full each year. "}},{"@type":"Question","name":"Why did my home insurance go up?","acceptedAnswer":{"@type":"Answer","text":"Home insurance premiums can change for a number of reasons. If you change your coverage, like adding an endorsement or increasing a coverage limit, your premium will likely change. Endorsements can cost anywhere from a few dozen dollars to hundreds of dollars per year, depending on the coverage type and limits you buy. If you file a claim during your policy term, you could see an increase in your premium at your renewal. Depending on the severity of your claim, the cause of the damage and the underlying factors on your policy, you may see anywhere from a modest to a substantial increase in premium after a claim. You may see premium increases at your policy renewal even when you haven’t changed your coverage. Insurance companies often adjust your coverage limits to keep pace with inflation, which helps to ensure your home is still properly covered when things get more expensive. This can increase your premium. Your company may also have filed a rate change with your state’s Department of Insurance, which could then affect the price you pay for coverage."}},{"@type":"Question","name":"Does my home insurance cost affect my mortgage payment?","acceptedAnswer":{"@type":"Answer","text":"Probably. Most mortgages are set up with an escrow account, which means that the mortgage company collects a portion of your home insurance premiums (and your property taxes) in your monthly payment. These amounts will be saved in your escrow account and the mortgage company will then pay your home insurance and property taxes when they come due. Mortgage escrow accounts are very common. A more expensive home insurance policy will mean that your mortgage company needs to collect more money from you monthly, so your mortgage payment could be higher. However, keep in mind that the portion of your monthly mortgage payment that is earmarked for home insurance doesn't affect the principal or interest on your mortgage loan."}},{"@type":"Question","name":"What is the 80 percent rule in homeowners insurance?","acceptedAnswer":{"@type":"Answer","text":"The 80 percent rule, also known as the 80/20 home insurance rule and the coinsurance clause, states that homeowners must insure their home for at least 80 percent of its replacement cost value or RCV. If a home experiences a loss and is insured for less than 80 percent, insurance companies only pay the claim based on the percentage of coverage held, divided by the amount needed to be covered at 80 percent. Some home insurance companies require carrying more than 80 percent to qualify for a policy. Here is the 80 percent rule equation: Amount of loss X (coverage you have / coverage you should have) = claim amount – deductible = claim payout"}},{"@type":"Question","name":"What is inflation guard coverage?","acceptedAnswer":{"@type":"Answer","text":"Many home insurance companies have inflation guard coverage built into policies or policyholders may have the option to purchase it as an endorsement. Upon each renewal, the inflation guard coverage ensures that the replacement cost of the dwelling increases to account for rising labor and building material costs. While this coverage can be highly beneficial, it does cause the premium to increase since it provides more coverage. But, it could prevent you from becoming underinsured."}},{"@type":"Question","name":"What should I do if my home insurance was nonrenewed?","acceptedAnswer":{"@type":"Answer","text":"Home insurance nonrenewals happen for many reasons. Perhaps your homeowners insurance company decides it will not renew your policy unless you make certain home repairs. Or, maybe your company can no longer offer you a policy due to a change in your claims history. If you live in a state with a struggling homeowners insurance market, your current carrier could even be facing insolvency, resulting in a nonrenewal. Regardless of the reason, it’s important to maintain a line of communication between you and your agent. A meeting with your agent could help you understand the reasons for your nonrenewal (and mitigate it, if possible). Additionally, your agent may be able to give you advice about finding homeowners insurance after a nonrenewal, if your nonrenewal is inevitable. 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mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts" > Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts" > Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts" > Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts" > Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="1" data-text="Savings calculator" data-outcome="send to link" > Savings calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/savings/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="2" data-text="All savings calculators" data-outcome="send to link" > All savings calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/average-savings-interest-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="3" data-text="Savings rate trends" data-outcome="send to link" > Savings rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link" > Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates" > Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates" > Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates" > Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates" > Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="1" data-text="CD calculator" data-outcome="send to link" > CD calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-ladder-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="2" data-text="CD ladder calculator" data-outcome="send to link" > CD ladder calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/todays-cd-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="3" data-text="CD rate trends" data-outcome="send to link" > CD rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="4" data-text="CD resources" data-outcome="send to link" > CD resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/what-is-a-cd/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link" > Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link" > Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="3" data-text="How does an MMA work?" data-outcome="send to link" > How does an MMA work?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="4" data-text="MMA resources" data-outcome="send to link" > MMA resources</a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Banking</p> <p class="SiteNavTopicOverview-copy">Unlock financial rewards by signing up for a savings or checking account with a bonus offer.</p> <a href="/banking/best-bank-account-bonuses/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Banks subcategory CTA" data-position="1" data-text="Best bank bonuses" data-outcome="send to link" data-category="Banking"> Best bank bonuses</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/awards/2024/best-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="1" data-text="Best banks of 2024" data-outcome="send to link" > Best banks of 2024</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/best-online-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="2" data-text="Best online banks" data-outcome="send to link" > Best online banks</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="3" data-text="Bank reviews" data-outcome="send to link" > Bank reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/federal-reserve/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="4" data-text="Federal Reserve news " data-outcome="send to link" > Federal Reserve news </a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/capital-one/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="1" data-text="Capital One review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Capital One review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Capital One Bank</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/marcus/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="2" data-text="Marcus review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Marcus review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Marcus by Goldman Sachs</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - desktop nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-2" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/mortgages/" data-js-selector="siteNavCategorylink2" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 2, 7);" @keydown.right.prevent="keydownCategory('right', 2, 7);" @keydown.left.prevent="keydownCategory('left', 2, 7);" @keydown.down.prevent="keydownCategory('down', 2, 7);" @keydown.up.prevent="keydownCategory('up', 2, 7);" @keydown.home.prevent="keydownCategory('home', 2, 7);" @keydown.end.prevent="keydownCategory('end', 2, 7);" @keydown.space.prevent="keydownCategory('space', 2, 7);" @keydown.enter.prevent="keydownCategory('enter', 2, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="2" data-text="Mortgages" data-outcome="send to mortgages hub" > <span class="SiteNavCategory-label"> Mortgages</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-mortgages" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="2" data-text="Mortgages" data-outcome="open default mortgages container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="mortgages-tablist" class="SiteNavSubcategory-categoryTitle"> Mortgages</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="mortgages-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Purchase" data-position="1"> Purchase<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link" > Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates" > Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates" > 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates" > 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates" > VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link" > Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link" > Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link" > Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link" > Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link" > Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target="" > Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target="" > Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="1" data-text="Mortgage refinance calculator" data-outcome="send to link" > Mortgage refinance calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/refinance-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="2" data-text="Best refinance lenders" data-outcome="send to link" > Best refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/cash-out-refinance-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="3" data-text="Best cash-out refinance lenders" data-outcome="send to link" > Best cash-out refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinancing/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="4" data-text="Mortgage refinance resources" data-outcome="send to link" > Mortgage refinance resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-does-refinancing-a-mortgage-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="1" data-text="How to refinance your mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to refinance your mortgage</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/cash-out-refinancing/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="2" data-text="Cash-out refinancing guide" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Cash-out refinancing guide</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. Compare trusted real estate agents all in one place.</p> <a href="/real-estate/agents/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory CTA" data-position="1" data-text="Find an agent" data-outcome="send to link" data-category="Mortgages"> Find an agent</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/real-estate/new-house-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="1" data-text="Home affordability calculator" data-outcome="send to link" > Home affordability calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/cost-of-living-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - 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class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Credit cards category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Credit cards</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2024" data-outcome="send to Best cards of 2024" > Best cards of 2024</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/best-cash-back-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Best cash back cards" data-outcome="send to Best cash back cards" > Best cash back cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/best-balance-transfer-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Best balance transfer cards" data-outcome="send to Best balance transfer cards" > Best balance transfer cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/best-zero-interest-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards" > Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards" > Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards" > Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards" > Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards" > Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link" > Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link" > Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link" > Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link" > Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link" > Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link" > Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link" > Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link" > All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101" > Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice" > Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards" > Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice" > Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice" > Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice" > Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice" > Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link" > Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link" > Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub" > <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link" > Explore all loans resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans" > Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit" > Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans" > Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans" > Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link" > Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link" > Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link" > Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link" > Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target="" > Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" > Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" > Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link" > Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link" > Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link" > Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="4" data-text="Auto loan refinancing guide" data-outcome="send to link" > Auto loan refinancing guide</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/how-to-get-the-best-auto-loan-rate/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="1" data-text="How to get the best auto loan rate" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get the best auto loan rate</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/what-is-an-auto-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="2" data-text="Auto loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto loan basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Student loan rates" data-outcome="send to Student loan rates" > Student loan rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Student loan refinancing rates" data-outcome="send to Student loan refinancing rates" > Student loan refinancing rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/private-student-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best private student loans" data-outcome="send to Best private student loans" > Best private student loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best bad credit student loans" data-outcome="send to Best bad credit student loans" > Best bad credit student loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="1" data-text="Student loan resources" data-outcome="send to link" > Student loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="2" data-text="Student loan lender reviews" data-outcome="send to link" > Student loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="3" data-text="Student loan calculator" data-outcome="send to link" > Student loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="4" data-text="Student loan refinance calculator" data-outcome="send to link" > Student loan refinance calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/private-student-loans-guide/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="1" data-text="Private student loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Private student loan basics</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/how-to-get-student-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="2" data-text="How to get a student loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a student loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-small-business-loans/" class="SiteNavPrimaryLink" target="" > Best small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/bad-credit-business-loans/" class="SiteNavPrimaryLink" target="" > Bad credit small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/business-line-of-credit/" class="SiteNavPrimaryLink" target="" > Business lines of credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-banks-for-small-business-loans/" class="SiteNavPrimaryLink" target="" > Small business loan banks</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="1" data-text="Small business loans resources" data-outcome="send to link" > Small business loans resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="2" data-text="Small business loan reviews" data-outcome="send to link" > Small business loan reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/business-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="3" data-text="Small business loan calculator" data-outcome="send to link" > Small business loan calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/small-business/how-do-small-business-loans-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link" > Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link" > Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link" > HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link" > What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link" > Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link" > Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link" > What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link" > Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link" > Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link" > HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link" > How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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mobile nav" data-position="bottom" data-text="Explore all Insurance resources" data-outcome="send to link" > Explore all insurance resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Insurance category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Insurance</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/best-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/cheap-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Cheapest car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/rates/" class="SiteNavPrimaryLink" target="" > Compare car insurance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/average-cost-of-car-insurance/" class="SiteNavPrimaryLink" target="" > How much is car insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/allstate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="1" data-text="Allstate insurance review" data-outcome="send to link" > Allstate insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/erie/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="2" data-text="Erie insurance review" data-outcome="send to link" > Erie insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/progressive/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="3" data-text="Progressive insurance review" data-outcome="send to link" > Progressive insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/state-farm/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="4" data-text="State Farm insurance review" data-outcome="send to link" > State Farm insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="5" data-text="All insurance company reviews" data-outcome="send to link" > All insurance company reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="1" data-text="Auto insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="2" data-text="Car insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Car insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about auto insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/best-home-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/cheap-homeowners-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/home-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Home insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/homeowners-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much is homeowners insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/kin/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="1" data-text="Kin insurance review" data-outcome="send to link" > Kin insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/hippo-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="2" data-text="Hippo insurance review" data-outcome="send to link" > Hippo insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/lemonade/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="3" data-text="Lemonade insurance review" data-outcome="send to link" > Lemonade insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/citizens-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - 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The information on this site does not modify any insurance policy terms in any way. </p> </div> </div> </div> </div> </div> <div class="wrapper"> <div class="display-flex flex-direction-column"> <div> <div class="md:text-5xl text-3xl mb-6 md:mt-5 md:mb-7 insurance-transformable-mustache_title-override-container"> <div class="wysiwyg display-block w-full"> <h1 class="text-white">Average homeowners insurance cost in November 2024</h1></div> </div> <div class="display-flex flex-direction-column md:flex-direction-row md:align-items-center"> <div data-cy="byline" x-data="{expanded: false}" class="Byline display-flex flex-wrap gap-y-4 flex-direction-column sm:flex-direction-row sm:align-items-center"> <div class="Byline-user display-flex align-items-center"> <img srcset="https://www.bankrate.com/brp/2024/07/17160456/NatalieTodoroffHeadshot-scaled.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/07/17160456/NatalieTodoroffHeadshot-scaled.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/07/17160456/NatalieTodoroffHeadshot-scaled.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/07/17160456/NatalieTodoroffHeadshot-scaled.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 pos-relative z-layer-one flex-shrink-0" alt=""> <span> <span class="text-white font-circular-book" data-preamp="mortgage-dark-mode">Written by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('EAphIZ')" x-bind="container"> <button class="Tooltip-trigger text-link text-white plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-EAphIZ" aria-controls="tooltip-content-EAphIZ" x-bind="trigger"> Natalie Todoroff</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-EAphIZ" aria-hidden="true" aria-labelledby="tooltip-trigger-EAphIZ" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--author AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/brp/2024/07/17160456/NatalieTodoroffHeadshot-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/07/17160456/NatalieTodoroffHeadshot-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/07/17160456/NatalieTodoroffHeadshot-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/07/17160456/NatalieTodoroffHeadshot-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/natalie-todoroff/" class="Link Link--standalone text-black"> Natalie Todoroff</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Writer, Insurance</span> </div> </div> <div class="AuthorPreview-license my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Auto insurance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Home insurance</li> </ul> </div> <div class="display-flex align-items-center text-black"> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.</div> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/natalie-todoroff/" class="text-link text-white plain font-circular-bold ">Natalie Todoroff</a> </div> </span> <div class="display-block ml-2 sm:display-none"> <button @click="expanded = !expanded" aria-expanded="false" data-preamp="mortgage-dark-mode" class="Button Button--bare font-circular-bold display-inline-flex align-items-center Byline-text text-white text-base"> + 2 others<span :style="expanded ? 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https://www.bankrate.com/2024/02/22173346/Jessa-Claeys-headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/02/22173346/Jessa-Claeys-headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/02/22173346/Jessa-Claeys-headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/jessa-claeys/" class="Link Link--standalone text-black"> Jessa Claeys</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Editor, Insurance</span> </div> </div> <div class="AuthorPreview-license my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon 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2.442 0 0 0 0 3.457c.925.925 2.531.925 3.457 0a2.425 2.425 0 0 0 .719-1.729c0-.65-.252-1.262-.719-1.728a2.425 2.425 0 0 0-1.729-.72Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.996 17.975c-.64 0-1.287-.244-1.775-.732l-.597-.605a1.157 1.157 0 0 0-.824-.328h-.32v4.676c0 .076.042.118.084.143.034.025.093.042.16 0l2.725-1.363c.438-.218.959-.21 1.388.017l2.464 1.304a.194.194 0 0 0 .168 0c.034-.025.085-.067.085-.143v-4.626h-.37c-.32 0-.606.118-.825.336l-.589.59a2.521 2.521 0 0 1-1.791.74l.017-.009Zm4.048-3.011h-.835c-.673 0-1.304.26-1.775.732l-.589.588a1.17 1.17 0 0 1-1.657.017l-.597-.605a2.493 2.493 0 0 0-1.775-.732h-.86a.672.672 0 0 0-.182-.016 1.192 1.192 0 0 1-.985-1.17v-.841c0-.673-.26-1.304-.731-1.775l-.59-.589a1.177 1.177 0 0 1-.067-1.606c.026-.017.068-.06.068-.06l.589-.596a2.493 2.493 0 0 0 .731-1.775v-.732c.009-.033.009-.075.009-.117 0-.657.53-1.186 1.177-1.186h.85c.673 0 1.303-.261 1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Auto insurance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Homeowners insurance</li> </ul> </div> <div class="display-flex align-items-center text-black"> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.  </div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/jessa-claeys/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/jessa-claeys/" target="_blank" rel="nofollow" aria-label="Connect with Jessa Claeys on LinkedIn" data-beam-element-clicked id="author_bio_jessa_claeys_linkedin_icon" data-type="icon" data-location="author_bio_jessa_claeys" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain 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src="https://www.bankrate.com/2021/11/17134345/2021.10-Desert-Full-Body-scaled.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-white font-circular-book">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('D1ZTX6')" x-bind="container"> <button class="Tooltip-trigger text-link text-white plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-D1ZTX6" aria-controls="tooltip-content-D1ZTX6" x-bind="trigger"> Kenneth Chavis IV</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-D1ZTX6" aria-hidden="true" aria-labelledby="tooltip-trigger-D1ZTX6" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div 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class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/kenneth-chavis-iv/" class="Link Link--standalone text-black"> Kenneth Chavis IV</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Senior wealth advisor at Versant Capital Management</span> </div> </div> <div class="AuthorPreview-expertise my-4"> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Kenneth Chavis IV is a senior wealth counselor at Versant Capital Management who provides investment management, complex wealth strategy, financial planning and tax advice to business owners, executives, medical doctors, and more.</div> <a class="text-blue text-crop-none" href="/financial-review-board/">About our review board</a> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div 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AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-white font-circular-book">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('g8gG7h')" x-bind="container"> <button class="Tooltip-trigger text-link text-white plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-g8gG7h" aria-controls="tooltip-content-g8gG7h" x-bind="trigger"> Jessa Claeys</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-g8gG7h" aria-hidden="true" aria-labelledby="tooltip-trigger-g8gG7h" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2024/02/22173346/Jessa-Claeys-headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/02/22173346/Jessa-Claeys-headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/02/22173346/Jessa-Claeys-headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/02/22173346/Jessa-Claeys-headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/jessa-claeys/" class="Link Link--standalone text-black"> Jessa Claeys</a> </div> <span class="AuthorPreview-title type-body-two text-slate 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class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal Lines Insurance Producer</li> </ul> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 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<span class="text-blue-mid text-base"> • </span> Homeowners insurance</li> </ul> </div> <div class="display-flex align-items-center text-black"> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.  </div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/jessa-claeys/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/jessa-claeys/" target="_blank" rel="nofollow" aria-label="Connect with Jessa Claeys on LinkedIn" data-beam-element-clicked id="author_bio_jessa_claeys_linkedin_icon" data-type="icon" data-location="author_bio_jessa_claeys" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/jessa-claeys/" class="text-link text-white plain font-circular-bold ">Jessa Claeys</a> </div> </span> </div> <div class="Byline-user Byline-accordion-on-mobile"> <img srcset="https://www.bankrate.com/2021/11/17134345/2021.10-Desert-Full-Body-scaled.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/11/17134345/2021.10-Desert-Full-Body-scaled.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/11/17134345/2021.10-Desert-Full-Body-scaled.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/11/17134345/2021.10-Desert-Full-Body-scaled.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-white font-circular-book">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('3YlgTc')" x-bind="container"> <button class="Tooltip-trigger text-link text-white plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-3YlgTc" aria-controls="tooltip-content-3YlgTc" x-bind="trigger"> Kenneth Chavis IV</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-3YlgTc" aria-hidden="true" aria-labelledby="tooltip-trigger-3YlgTc" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2021/11/17134345/2021.10-Desert-Full-Body-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/11/17134345/2021.10-Desert-Full-Body-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/11/17134345/2021.10-Desert-Full-Body-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/11/17134345/2021.10-Desert-Full-Body-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/kenneth-chavis-iv/" class="Link Link--standalone text-black"> Kenneth Chavis IV</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Senior wealth advisor at Versant Capital Management</span> </div> </div> <div class="AuthorPreview-expertise my-4"> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Kenneth Chavis IV is a senior wealth counselor at Versant Capital Management who provides investment management, complex wealth strategy, financial planning and tax advice to business owners, executives, medical doctors, and more.</div> <a class="text-blue text-crop-none" href="/financial-review-board/">About our review board</a> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/kenneth-chavis-iv/" class="text-link text-white plain font-circular-bold ">Kenneth Chavis IV</a> </div> </span> </div> </div> <div class="type-body-two text-white md:pl-6 md:ml-2 mt-4 md:mt-0"> Updated Nov 13, 2024</div> </div> <div class="mt-6 md:mt-7 mb-8 md:mb-4 font-circular-book md:text-lg text-white"> <div class="wysiwyg display-block w-full"> <div class="mt-6 md:mt-7 mb-8 md:mb-9 font-circular-book font-normal md:text-lg text-white"> <p>The average cost of homeowners insurance in the U.S. is $2,304 per year for $300,000 in dwelling coverage. However, your actual rates may vary depending on several factors.</p> </div></div> </div> </div> <div> <div data-cy="zip-hero-two" class="zip-hero-two-point-o"> <div class="zip-hero-two-point-o__container w-full rounded-lg display-flex flex-direction-column md:flex-direction-row text-white bg-blue-dark" x-data="zipHeroCode( '0', true, false, true)"> <div class="zip-hero-two-point-o__zip-input-container display-flex flex-direction-column sm:flex-direction-row md:align-items-center"> <span class="sm:mr-4"> <div x-data x-id="['input']" class="FormControl" x-bind:class="{ 'is-error': zipInput.hasError }"> <label x-bind:for="$id('input')" class="FormLabel text-white"> <span>Find quotes for your area</span></label> <input x-bind:id="$id('input')" class="FormInput zip-code-input md:w-48" name="zip_code_input" maxlength="5" x-model="zipInput.value" x-on:keypress="onlyNumbers"> <span class="pos-absolute right-1 text-slate bottom-4 pointer-events-none pr-4 leading-none h-4"> <span class="icon icon-size"> <svg class="h-4" width="16" height="20" viewBox="0 0 16 20" xmlns="http://www.w3.org/2000/svg"> <title>Location-Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M8 20C2.66667 15.3333 0 11.3333 0 8C0 3 3.58172 0 8 0C12.4183 0 16 3 16 8C16 11.3333 13.3333 15.3333 8 20ZM2 8C2 10.3626 3.95475 13.5154 8 17.3039C12.0453 13.5154 14 10.3626 14 8C14 4.32919 11.5476 2 8 2C4.45236 2 2 4.32919 2 8ZM8 11C6.34315 11 5 9.65685 5 8C5 6.34315 6.34315 5 8 5C9.65685 5 11 6.34315 11 8C11 9.65685 9.65685 11 8 11Z" fill="#151515"/> </svg> </span> </span></div> <span class="FormElementHelp is-error text-size-xs mt-1 sm:pos-absolute" x-cloak="x-cloak" x-show="zipInput.hasError" x-text="zipInput.errorMessage"> </span> </span> <div class="display-flex justify-content-center sm:align-self-flex-end mt-2 md:mt-0 md:align-self-auto"> <button class="Button--primary compare-rates-cta w-full md:mt-6" data-cy="submit-button" @click="submitForm('home')" type="submit"> Get a quote</button> </div> </div> <div class="w-full mt-5 mb-3 md:my-0"> <div class="static-logos w-full p-4 bg-blue-dark "> <div class=""> <div class="hub-widgets-logo-text text-center md:pr-4 pb-2 text-white text-size-sm"> Explore offers from trusted carriers</div> <div class="hub-widgets-logos display-flex justify-content-center align-items-center sm:py-1 sm:gap-8 md:px-5 sm:px-16 gap-x-12 mb-4 flex-wrap"> <div class="static-logo"> <img class="" src="https://a.storyblok.com/f/166230/121x58/2838d576a0/nationwide.svg" loading="eager" alt="Nationwide" width="121" height="58" > </div><div class="static-logo"> <img class="" src="https://a.storyblok.com/f/166230/121x58/50d5f3b804/statefarm.svg" loading="eager" alt="Allstate" width="121" height="58" > </div><div class="static-logo"> <img class="" src="https://a.storyblok.com/f/166230/121x58/ca6aa833e3/progressive.svg" loading="eager" alt="Progressive" width="121" height="58" > </div><div class="static-logo"> <img class="" src="https://a.storyblok.com/f/166230/121x58/7af6e6cd27/safeco.png" loading="eager" alt="Safeco" width="121" height="58" > </div><div class="type-heading-five text-center mt-5 md:mt-0 text-white"> + MORE </div> </div> <div class="type-heading-five text-center display-none mt-2"> + MORE </div> </div> </div> </div> </div> <div class="display-flex flex-direction-column md:flex-direction-row align-items-center mb-1 dark-mode mt-2 md:display-none justify-content-center"data-cy="disclosure-container"> <p class="mb-0 type-body-three text-white">Powered by Coverage.com (NPN: 19966249)</p> <div class="display-flex align-items-center mt-2 md:mt-0"> <div class="bg-gray h-3 w-px mx-2 md:mx-4 display-none md:display-block"></div> <div class="pos-relative type-body-three"x-data="{ advertisingDisclosureOpen: false }" data-cy="advertiser-disclosure"> <a class="display-inline-block Link text-blue-300 hover:text-blue border-blue-300 hover:border-blue" @click.prevent="advertisingDisclosureOpen = !advertisingDisclosureOpen" @click.away="advertisingDisclosureOpen = false" href="#"> Advertising disclosure </a> <div class="pos-absolute bg-white bg-auto border border-blue max-w-md z-layer-two p-2 mt-2 text-left" x-cloak x-show="advertisingDisclosureOpen" style="width: 16.875rem; left: -25%; top: 1.25rem;" data-cy="advertiser-disclosure-content"> <div class="type-body-three mb-0"> This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. 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Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. </p> <h4 class="type-heading-four"> Key Principles </h4> <p> We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. </p> <h4 class="type-heading-four"> Editorial Independence </h4> <p> Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. 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</template> </div> </div></div> <div class="TwoColumnLayout-main SectionWithToc-body SectionWithToc-defaultGap " data-e2e-monitor=SectionWithToc-body> <div id="how-much-is-home-insurance" class="SectionWithTocItem " data-beam-element-viewed id="how-much-is-home-insurance" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="How much is home insurance?" data-position="1" data-text="" > <div class="wysiwyg display-block w-full"> <h2>How much is home insurance?</h2> <p>The national average cost of home insurance is $2,304 per year for a policy with a $300,000 dwelling limit. This comes out to about $192 per month. But these are just average figures — what <em>you </em>pay for your policy will likely be different. Just as coverage needs vary across individual homeowners, so will costs. Factors like the location, age and square footage of your home, the deductibles and policy limits you choose and the cost of building materials (to name just a few) are also part of the equation. If you have a loan on your home, your mortgage lender may also get a say in what home insurance coverage is required and <a class="Link" href="https://www.bankrate.com/mortgages/how-much-flood-insurance-do-i-need/">whether or not you need a flood policy</a>.</p></div> <div class="wysiwyg display-block w-full"> <h3>Key insights from Bankrate's 2024 home insurance rates analysis:</h3> <ul> <li>On average, the most expensive states for homeowners insurance are Nebraska, Florida and Oklahoma, while the least expensive states are Vermont, Nevada and Delaware.</li> <li>While inflation has slowed down since its peak, insurance rates are reactionary. The cost of home insurance is still increasing due to the impact inflation has had on the previous losses experienced by the insurance company, the elevated cost of building materials and the high likelihood of future extreme weather-related losses.</li> <li>According to our research, Lititz Mutual, Selective and Buckeye State Mutual offer some of the lowest average home insurance rates for $300,000 in dwelling coverage.</li> <li>On average, homeowners with poor credit histories pay 92 percent more for home insurance than homeowners with excellent credit.</li> </ul></div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <div class="box-shadow-1 rounded-lg" data-beam-element-viewed id="" data-type="Jumplink" data-location="Methodology component" data-name="Read our full methodology" data-position="" data-text="Read our full methodology" data-outcome="" > <div class="display-flex flex-direction-column md:flex-direction-row md:justify-content-space-between md:align-items-center border-b border-gray-mid px-6 py-4"> <span class="display-flex align-items-center"> <svg class="Icon md:Icon--sm mr-4 mb-4 md:mb-0" width="32" height="32" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <title>Bankrate logo</title> <rect width="32" height="32" rx="4" fill="#0157FF" /> <path fill="#ffffff" fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" /> </svg><p class="mb-3 md:mb-0 font-bold">Why you can trust Bankrate</p> </span> <a href="#methodology" class="Link Link--standalone type-body-two font-bold" data-beam-element-clicked-no-delay id="" data-type="Jumplink" data-location="Methodology component" data-name="Read our full methodology" data-position="" data-text="Read our full methodology" data-outcome="" > Read our full methodology</a> </div> <div class="py-4 px-3 md:p-6 md:pt-4"> <p class="type-body-two text-slate mb-6">Experience is the key to our insight at Bankrate. Licensed agents are a part of our insurance editorial staff, using decades of combined industry knowledge to provide accurate and in-depth content on various insurance subjects. With access to proprietary premium data from Quadrant Information Services, we use our expertise to analyze and transcribe this data into meaningful insights for our readers. The insurance landscape can be confusing, but Bankrate is here with current and accurate information that may help you make effective coverage decisions.</p> <div class="data-metrics bg-blue-50 display-flex flex-wrap md:flex-nowrap p-3 md:py-4 md:px-8 justify-content-space-between text-center"> <div class="mb-8 md:mb-0"> <p class="type-heading-two mb-2 md:mb-2">46</p> <p class="type-body-two text-slate mb-0">years of industry expertise</p> </div> <div class="mb-8 md:mb-0"> <p class="type-heading-two mb-2 md:mb-2">122</p> <p class="type-body-two text-slate mb-0">carriers reviewed</p> </div> <div> <p class="type-heading-two mb-2 md:mb-2">34.5K</p> <p class="type-body-two text-slate mb-0">ZIP codes examined</p> </div> <div> <p class="type-heading-two mb-2 md:mb-2">1.2M</p> <p class="type-body-two text-slate mb-0">quotes analyzed</p> </div> </div> </div> </div> <style> @media (max-width: 999px) { .data-metrics > div { flex-grow: 1; } } </style> </div> <div id="cost-by-state" class="SectionWithTocItem " data-beam-element-viewed id="cost-by-state" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="How much does home insurance cost in my state?" data-position="2" data-text="" > <div class="vertical-spacer pt-6" style="width: 100%; content: '';"></div> <div class="wysiwyg display-inline"> <h2>How much does home insurance cost in my state?</h2></div> <div class="wysiwyg display-inline"> <p>To get a better sense of how much home insurance is, it could help to review average <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/states/">home insurance rates in your state</a>. Some states may not face a high risk of natural disasters, while others have a cheaper cost of living that makes it more affordable to rebuild after a claim. Based on Bankrate’s analysis of average home insurance costs, policies with $300,000 in dwelling coverage can cost less than $1,000 per year, as seen in Vermont, Nevada and Delaware, but cost well over $5,000 a year in states like Nebraska and Florida. In the map below, click or hover to see the average home insurance costs in each state.</p> <h3>Average home insurance cost by state</h3> <p class="text-slate text-gray-700 text-sm text-gray text-gray-400-700"><em>The average annual home insurance premium for a home with a dwelling coverage amount of $300,000.</em></p></div> <script type="text/javascript" src="https://www.bankrate.com/v5.1514.2/next/vendor/js/jquery-2.2.4.min.js"></script> <script type="text/javascript" src="https://www.bankrate.com/v5.1514.2/next/vendor/js/raphael.js"></script> <script type="text/javascript" src="https://www.bankrate.com/v5.1514.2/next/vendor/js/jquery.mousewheel.js"></script> <script type="text/javascript" src="https://www.bankrate.com/v5.1514.2/next/vendor/js/mapsvg.js"></script> <div class="insurance-content-map" x-data="insuranceContentMap( 'home', 'https://www.bankrate.com/v5.1514.2/next/img/svg/usa-labels-boxes.svg', JSON.parse('[{\u0022state\u0022:\u0022Alabama\u0022,\u0022avgRate\u0022:\u00222,817\u0022,\u0022state_abbreviation\u0022:\u0022AL\u0022},{\u0022state\u0022:\u0022Alaska\u0022,\u0022avgRate\u0022:\u0022986\u0022,\u0022state_abbreviation\u0022:\u0022AK\u0022},{\u0022state\u0022:\u0022Arizona\u0022,\u0022avgRate\u0022:\u00222,229\u0022,\u0022state_abbreviation\u0022:\u0022AZ\u0022},{\u0022state\u0022:\u0022Arkansas\u0022,\u0022avgRate\u0022:\u00222,972\u0022,\u0022state_abbreviation\u0022:\u0022AR\u0022},{\u0022state\u0022:\u0022California\u0022,\u0022avgRate\u0022:\u00221,480\u0022,\u0022state_abbreviation\u0022:\u0022CA\u0022},{\u0022state\u0022:\u0022Colorado\u0022,\u0022avgRate\u0022:\u00223,222\u0022,\u0022state_abbreviation\u0022:\u0022CO\u0022},{\u0022state\u0022:\u0022Connecticut\u0022,\u0022avgRate\u0022:\u00221,605\u0022,\u0022state_abbreviation\u0022:\u0022CT\u0022},{\u0022state\u0022:\u0022Delaware\u0022,\u0022avgRate\u0022:\u0022966\u0022,\u0022state_abbreviation\u0022:\u0022DE\u0022},{\u0022state\u0022:\u0022Florida\u0022,\u0022avgRate\u0022:\u00225,527\u0022,\u0022state_abbreviation\u0022:\u0022FL\u0022},{\u0022state\u0022:\u0022Georgia\u0022,\u0022avgRate\u0022:\u00222,014\u0022,\u0022state_abbreviation\u0022:\u0022GA\u0022},{\u0022state\u0022:\u0022Hawaii\u0022,\u0022avgRate\u0022:\u00221,203\u0022,\u0022state_abbreviation\u0022:\u0022HI\u0022},{\u0022state\u0022:\u0022Idaho\u0022,\u0022avgRate\u0022:\u00221,282\u0022,\u0022state_abbreviation\u0022:\u0022ID\u0022},{\u0022state\u0022:\u0022Illinois\u0022,\u0022avgRate\u0022:\u00222,407\u0022,\u0022state_abbreviation\u0022:\u0022IL\u0022},{\u0022state\u0022:\u0022Indiana\u0022,\u0022avgRate\u0022:\u00221,717\u0022,\u0022state_abbreviation\u0022:\u0022IN\u0022},{\u0022state\u0022:\u0022Iowa\u0022,\u0022avgRate\u0022:\u00222,284\u0022,\u0022state_abbreviation\u0022:\u0022IA\u0022},{\u0022state\u0022:\u0022Kansas\u0022,\u0022avgRate\u0022:\u00224,241\u0022,\u0022state_abbreviation\u0022:\u0022KS\u0022},{\u0022state\u0022:\u0022Kentucky\u0022,\u0022avgRate\u0022:\u00223,277\u0022,\u0022state_abbreviation\u0022:\u0022KY\u0022},{\u0022state\u0022:\u0022Louisiana\u0022,\u0022avgRate\u0022:\u00224,296\u0022,\u0022state_abbreviation\u0022:\u0022LA\u0022},{\u0022state\u0022:\u0022Maine\u0022,\u0022avgRate\u0022:\u00221,227\u0022,\u0022state_abbreviation\u0022:\u0022ME\u0022},{\u0022state\u0022:\u0022Maryland\u0022,\u0022avgRate\u0022:\u00221,561\u0022,\u0022state_abbreviation\u0022:\u0022MD\u0022},{\u0022state\u0022:\u0022Massachusetts\u0022,\u0022avgRate\u0022:\u00221,671\u0022,\u0022state_abbreviation\u0022:\u0022MA\u0022},{\u0022state\u0022:\u0022Michigan\u0022,\u0022avgRate\u0022:\u00222,040\u0022,\u0022state_abbreviation\u0022:\u0022MI\u0022},{\u0022state\u0022:\u0022Minnesota\u0022,\u0022avgRate\u0022:\u00222,578\u0022,\u0022state_abbreviation\u0022:\u0022MN\u0022},{\u0022state\u0022:\u0022Mississippi\u0022,\u0022avgRate\u0022:\u00223,285\u0022,\u0022state_abbreviation\u0022:\u0022MS\u0022},{\u0022state\u0022:\u0022Missouri\u0022,\u0022avgRate\u0022:\u00222,117\u0022,\u0022state_abbreviation\u0022:\u0022MO\u0022},{\u0022state\u0022:\u0022Montana\u0022,\u0022avgRate\u0022:\u00222,531\u0022,\u0022state_abbreviation\u0022:\u0022MT\u0022},{\u0022state\u0022:\u0022Nebraska\u0022,\u0022avgRate\u0022:\u00225,544\u0022,\u0022state_abbreviation\u0022:\u0022NE\u0022},{\u0022state\u0022:\u0022Nevada\u0022,\u0022avgRate\u0022:\u0022958\u0022,\u0022state_abbreviation\u0022:\u0022NV\u0022},{\u0022state\u0022:\u0022New Hampshire\u0022,\u0022avgRate\u0022:\u0022980\u0022,\u0022state_abbreviation\u0022:\u0022NH\u0022},{\u0022state\u0022:\u0022New Jersey\u0022,\u0022avgRate\u0022:\u00221,162\u0022,\u0022state_abbreviation\u0022:\u0022NJ\u0022},{\u0022state\u0022:\u0022New Mexico\u0022,\u0022avgRate\u0022:\u00222,071\u0022,\u0022state_abbreviation\u0022:\u0022NM\u0022},{\u0022state\u0022:\u0022New York\u0022,\u0022avgRate\u0022:\u00221,745\u0022,\u0022state_abbreviation\u0022:\u0022NY\u0022},{\u0022state\u0022:\u0022North Carolina\u0022,\u0022avgRate\u0022:\u00222,459\u0022,\u0022state_abbreviation\u0022:\u0022NC\u0022},{\u0022state\u0022:\u0022North Dakota\u0022,\u0022avgRate\u0022:\u00222,880\u0022,\u0022state_abbreviation\u0022:\u0022ND\u0022},{\u0022state\u0022:\u0022Ohio\u0022,\u0022avgRate\u0022:\u00221,312\u0022,\u0022state_abbreviation\u0022:\u0022OH\u0022},{\u0022state\u0022:\u0022Oklahoma\u0022,\u0022avgRate\u0022:\u00225,049\u0022,\u0022state_abbreviation\u0022:\u0022OK\u0022},{\u0022state\u0022:\u0022Oregon\u0022,\u0022avgRate\u0022:\u00221,015\u0022,\u0022state_abbreviation\u0022:\u0022OR\u0022},{\u0022state\u0022:\u0022Pennsylvania\u0022,\u0022avgRate\u0022:\u00221,233\u0022,\u0022state_abbreviation\u0022:\u0022PA\u0022},{\u0022state\u0022:\u0022Rhode Island\u0022,\u0022avgRate\u0022:\u00222,094\u0022,\u0022state_abbreviation\u0022:\u0022RI\u0022},{\u0022state\u0022:\u0022South Carolina\u0022,\u0022avgRate\u0022:\u00222,420\u0022,\u0022state_abbreviation\u0022:\u0022SC\u0022},{\u0022state\u0022:\u0022South Dakota\u0022,\u0022avgRate\u0022:\u00222,857\u0022,\u0022state_abbreviation\u0022:\u0022SD\u0022},{\u0022state\u0022:\u0022Tennessee\u0022,\u0022avgRate\u0022:\u00222,321\u0022,\u0022state_abbreviation\u0022:\u0022TN\u0022},{\u0022state\u0022:\u0022Texas\u0022,\u0022avgRate\u0022:\u00223,884\u0022,\u0022state_abbreviation\u0022:\u0022TX\u0022},{\u0022state\u0022:\u0022Utah\u0022,\u0022avgRate\u0022:\u00221,200\u0022,\u0022state_abbreviation\u0022:\u0022UT\u0022},{\u0022state\u0022:\u0022Vermont\u0022,\u0022avgRate\u0022:\u0022806\u0022,\u0022state_abbreviation\u0022:\u0022VT\u0022},{\u0022state\u0022:\u0022Virginia\u0022,\u0022avgRate\u0022:\u00221,520\u0022,\u0022state_abbreviation\u0022:\u0022VA\u0022},{\u0022state\u0022:\u0022Washington\u0022,\u0022avgRate\u0022:\u00221,434\u0022,\u0022state_abbreviation\u0022:\u0022WA\u0022},{\u0022state\u0022:\u0022West Virginia\u0022,\u0022avgRate\u0022:\u0022995\u0022,\u0022state_abbreviation\u0022:\u0022WV\u0022},{\u0022state\u0022:\u0022Wisconsin\u0022,\u0022avgRate\u0022:\u00221,198\u0022,\u0022state_abbreviation\u0022:\u0022WI\u0022},{\u0022state\u0022:\u0022Wyoming\u0022,\u0022avgRate\u0022:\u00221,352\u0022,\u0022state_abbreviation\u0022:\u0022WY\u0022},{\u0022state\u0022:\u0022Washington D.C.\u0022,\u0022avgRate\u0022:\u00221,405\u0022,\u0022state_abbreviation\u0022:\u0022DC\u0022}]'), JSON.parse('[\u0022alabama\u0022,\u0022alaska\u0022,\u0022arizona\u0022,\u0022arkansas\u0022,\u0022california\u0022,\u0022colorado\u0022,\u0022connecticut\u0022,\u0022delaware\u0022,\u0022florida\u0022,\u0022georgia\u0022,\u0022hawaii\u0022,\u0022idaho\u0022,\u0022illinois\u0022,\u0022indiana\u0022,\u0022iowa\u0022,\u0022kansas\u0022,\u0022kentucky\u0022,\u0022louisiana\u0022,\u0022maine\u0022,\u0022maryland\u0022,\u0022massachusetts\u0022,\u0022michigan\u0022,\u0022minnesota\u0022,\u0022mississippi\u0022,\u0022missouri\u0022,\u0022montana\u0022,\u0022nebraska\u0022,\u0022nevada\u0022,\u0022new-hampshire\u0022,\u0022new-jersey\u0022,\u0022new-mexico\u0022,\u0022new-york\u0022,\u0022north-carolina\u0022,\u0022north-dakota\u0022,\u0022ohio\u0022,\u0022oklahoma\u0022,\u0022oregon\u0022,\u0022pennsylvania\u0022,\u0022rhode-island\u0022,\u0022south-carolina\u0022,\u0022south-dakota\u0022,\u0022tennessee\u0022,\u0022texas\u0022,\u0022utah\u0022,\u0022vermont\u0022,\u0022virginia\u0022,\u0022washington\u0022,\u0022west-virginia\u0022,\u0022wisconsin\u0022,\u0022wyoming\u0022,\u0022washington-d.c.\u0022]'), 'florida')"> <div class="display-none sm:display-block" id="insurance-content-map" style="min-height: 500px"></div> </div> <div class="insurance-coverage-table mb-6 md:mb-8" id="DLtB9ZNSDv" x-data="insuranceCoverageTable( 'DLtB9ZNSDv', 'https://bankrate.home.everquote.com/form/', '9', null )"> <div id="table-DLtB9ZNSDv"> <table class="mb-2 Table insurance-coverage-table-DLtB9ZNSDv"> <thead class="display-none sm:display-table-header-group"> <tr class="border-b border-gray"> <th class="w-48 py-2 font-bold text-left"> <div class="insurance-coverage-table--sort-container-DLtB9ZNSDv display-flex"> <button class="display-inline-flex Button Button--bare md:justify-content-center" @click="sortColumn('url', 0)"> <span class="display-inline-flex type-body-two text-black font-circular-bold"> State</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" data-column="State" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" data-column="State" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> <th class="w-48 py-2 font-bold text-right"> <div class="insurance-coverage-table--sort-container-DLtB9ZNSDv display-flex"> <button class="display-inline-flex Button Button--bare md:justify-content-center" @click="sortColumn('money', 1)"> <span class="display-inline-flex type-body-two text-black font-circular-bold"> Average annual premium</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" data-column="Average annual premium" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" data-column="Average annual premium" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> <th class="w-48 py-2 font-bold text-right"> <div class="insurance-coverage-table--sort-container-DLtB9ZNSDv display-flex"> <button class="display-inline-flex Button Button--bare md:justify-content-center" @click="sortColumn('money', 2)"> <span class="display-inline-flex type-body-two text-black font-circular-bold"> Average monthly premium</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" data-column="Average monthly premium" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" data-column="Average monthly premium" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> <th class="w-48 py-2 font-bold text-right"> <div class="insurance-coverage-table--sort-container-DLtB9ZNSDv display-flex"> <button class="display-inline-flex Button Button--bare md:justify-content-center" @click="sortColumn('money-color', 3)"> <span class="display-inline-flex type-body-two text-black font-circular-bold"> Difference from national average</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" data-column="Difference from national average" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" data-column="Difference from national average" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> </tr> </thead> <tbody class="display-flex flex-direction-column border-t pt-4 sm:display-table-header-group sm:border-t-0 sm:pt-0"> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/alabama/" target="_blank">Alabama</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,817</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$235</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $513</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/alaska/" target="_blank">Alaska</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$986</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$82</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,319</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/arizona/" target="_blank">Arizona</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,229</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$186</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $76</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/arkansas/" target="_blank">Arkansas</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,972</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$248</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $667</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/california/" target="_blank">California</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,480</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$123</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $825</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/colorado/" target="_blank">Colorado</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$3,222</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$268</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $917</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/connecticut/" target="_blank">Connecticut</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,605</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$134</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $700</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/delaware/" target="_blank">Delaware</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$966</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$81</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,338</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/florida/" target="_blank">Florida</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$5,527</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$461</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $3,223</div></div> </div> </td> </tr> </tbody> <tbody x-cloak x-show="expanded" class="tbody-hidden border-t-0 pt-0"> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/georgia/" target="_blank">Georgia</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,014</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$168</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $290</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/hawaii/" target="_blank">Hawaii</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,203</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$100</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,101</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/idaho/" target="_blank">Idaho</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,282</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$107</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,022</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/illinois/" target="_blank">Illinois</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,407</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$201</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $102</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/indiana/" target="_blank">Indiana</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,717</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$143</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $587</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/iowa/" target="_blank">Iowa</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,284</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$190</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $20</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/kansas/" target="_blank">Kansas</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$4,241</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$353</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $1,937</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/kentucky/" target="_blank">Kentucky</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$3,277</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$273</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $972</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/louisiana/" target="_blank">Louisiana</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$4,296</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$358</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $1,992</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/maine/" target="_blank">Maine</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,227</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$102</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,078</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/maryland/" target="_blank">Maryland</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,561</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$130</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $743</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/massachusetts/" target="_blank">Massachusetts</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,671</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$139</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $633</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/michigan/" target="_blank">Michigan</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,040</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$170</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $265</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/minnesota/" target="_blank">Minnesota</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,578</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$215</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $274</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/mississippi/" target="_blank">Mississippi</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$3,285</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$274</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $980</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/missouri/" target="_blank">Missouri</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,117</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$176</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $187</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/montana/" target="_blank">Montana</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,531</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$211</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $227</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/nebraska/" target="_blank">Nebraska</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$5,544</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$462</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $3,239</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/nevada/" target="_blank">Nevada</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$958</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$80</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,346</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/new-hampshire/" target="_blank">New Hampshire</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$980</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$82</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,324</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/new-jersey/" target="_blank">New Jersey</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,162</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$97</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,142</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/new-mexico/" target="_blank">New Mexico</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,071</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$173</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $233</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/new-york/" target="_blank">New York</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,745</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$145</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $560</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/north-carolina/" target="_blank">North Carolina</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,459</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$205</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $155</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/north-dakota/" target="_blank">North Dakota</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,880</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$240</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $575</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/ohio/" target="_blank">Ohio</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,312</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$109</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $992</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/oklahoma/" target="_blank">Oklahoma</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$5,049</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$421</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $2,744</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/oregon/" target="_blank">Oregon</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,015</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$85</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,290</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/pennsylvania/" target="_blank">Pennsylvania</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,233</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$103</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,072</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/rhode-island/" target="_blank">Rhode Island</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,094</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$174</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $211</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/south-carolina/" target="_blank">South Carolina</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,420</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$202</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $115</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/south-dakota/" target="_blank">South Dakota</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,857</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$238</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $553</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/tennessee/" target="_blank">Tennessee</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,321</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$193</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $17</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/texas/" target="_blank">Texas</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$3,884</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$324</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $1,580</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/utah/" target="_blank">Utah</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,200</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$100</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,105</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/vermont/" target="_blank">Vermont</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$806</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$67</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,499</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/virginia/" target="_blank">Virginia</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,520</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$127</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $785</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/washington/" target="_blank">Washington</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,434</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$119</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $871</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/west-virginia/" target="_blank">West Virginia</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$995</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$83</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,310</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/wisconsin/" target="_blank">Wisconsin</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,198</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$100</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,107</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/maine/" target="_blank">Wyoming</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,352</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$113</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $953</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/washington-dc/" target="_blank">District of Columbia</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,405</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$117</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $899</div></div> </div> </td> </tr> </tbody> <noscript> <tbody> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/georgia/" target="_blank">Georgia</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,014</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$168</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $290</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/hawaii/" target="_blank">Hawaii</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,203</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$100</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,101</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/idaho/" target="_blank">Idaho</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,282</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$107</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,022</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/illinois/" target="_blank">Illinois</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,407</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$201</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $102</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/indiana/" target="_blank">Indiana</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,717</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$143</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $587</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/iowa/" target="_blank">Iowa</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,284</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$190</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $20</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/kansas/" target="_blank">Kansas</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$4,241</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$353</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $1,937</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/kentucky/" target="_blank">Kentucky</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$3,277</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$273</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $972</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/louisiana/" target="_blank">Louisiana</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$4,296</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$358</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $1,992</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/maine/" target="_blank">Maine</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,227</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$102</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,078</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/maryland/" target="_blank">Maryland</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,561</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$130</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $743</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/massachusetts/" target="_blank">Massachusetts</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,671</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$139</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $633</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/michigan/" target="_blank">Michigan</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,040</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$170</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $265</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/minnesota/" target="_blank">Minnesota</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,578</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$215</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $274</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/mississippi/" target="_blank">Mississippi</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$3,285</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$274</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $980</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/missouri/" target="_blank">Missouri</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,117</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$176</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $187</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/montana/" target="_blank">Montana</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,531</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$211</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $227</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/nebraska/" target="_blank">Nebraska</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$5,544</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$462</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $3,239</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/nevada/" target="_blank">Nevada</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$958</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$80</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,346</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/new-hampshire/" target="_blank">New Hampshire</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$980</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$82</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,324</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/new-jersey/" target="_blank">New Jersey</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,162</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$97</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,142</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/new-mexico/" target="_blank">New Mexico</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,071</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$173</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $233</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/new-york/" target="_blank">New York</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,745</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$145</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $560</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/north-carolina/" target="_blank">North Carolina</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,459</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$205</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $155</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/north-dakota/" target="_blank">North Dakota</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,880</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$240</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $575</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/ohio/" target="_blank">Ohio</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,312</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$109</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $992</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/oklahoma/" target="_blank">Oklahoma</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$5,049</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$421</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $2,744</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/oregon/" target="_blank">Oregon</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,015</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$85</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,290</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/pennsylvania/" target="_blank">Pennsylvania</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,233</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$103</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,072</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/rhode-island/" target="_blank">Rhode Island</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,094</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$174</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $211</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/south-carolina/" target="_blank">South Carolina</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,420</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$202</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $115</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/south-dakota/" target="_blank">South Dakota</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,857</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$238</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $553</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/tennessee/" target="_blank">Tennessee</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$2,321</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$193</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $17</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/texas/" target="_blank">Texas</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$3,884</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$324</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-red'>+ $1,580</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/utah/" target="_blank">Utah</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,200</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$100</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,105</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/vermont/" target="_blank">Vermont</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$806</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$67</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,499</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/virginia/" target="_blank">Virginia</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,520</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$127</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $785</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/washington/" target="_blank">Washington</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,434</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$119</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $871</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/west-virginia/" target="_blank">West Virginia</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$995</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$83</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,310</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/wisconsin/" target="_blank">Wisconsin</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,198</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$100</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $1,107</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/maine/" target="_blank">Wyoming</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,352</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$113</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $953</div></div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <a class="insurance-coverage-table--td display-block text-blue align-self-center" href="https://www.bankrate.com/insurance/homeowners-insurance/washington-dc/" target="_blank">District of Columbia</a> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual premium</div> <div class="insurance-coverage-table--td text-black">$1,405</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly premium</div> <div class="insurance-coverage-table--td text-black">$117</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Difference from national average</div> <div class="insurance-coverage-table--td "><div class='text-green-dark'>- $899</div></div> </div> </td> </tr> </tbody> </noscript> </table> </div> <div class="w-full text-right text-slate type-body-three mt-1"> *Based on policies with $300k dwelling coverage</div> <div class="insurance-coverage-table-geo--collapse w-full text-center mt-1 mb-0"> <a href="#" x-on:click.prevent="toggle()" class="no-underline"> <span x-text="expanded ? 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'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > The cheapest states for home insurance</button> </li> <li class="TabsV3-item pb-0" role="presentation"> <button :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > The most expensive states for home insurance</button> </li> </ul> </div> </div> <div class="TabsV3-content mt-5 TabsV3-content-noscript sm:gutter" x-cloak> <noscript><style> .TabsV3-content-noscript {display: block!important;} </style></noscript> <div class="wrapper"> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab py-2 px-2"> <div class="wysiwyg display-inline"> <h3>What are the five cheapest states for homeowners insurance?</h3> <p>The states with the least expensive average annual homeowners insurance premiums are Vermont, Nevada, Delaware, New Hampshire and Alaska. Getting familiar with average home insurance costs in these states can help you plan your budget. Below, you can see the average cost of homeowners insurance coverage in these states and how the prices compare to the national average.</p></div> <div class="insurance-geo-comparison-list"> <ul class="display-flex flex-direction-column gap-y-3"> <li> <strong class="font-circular-bold">Vermont: </strong>$806 per year — 65 percent below national average </li> <li> <strong class="font-circular-bold">Nevada: </strong>$958 per year — 58 percent below national average </li> <li> <strong class="font-circular-bold">Delaware: </strong>$966 per year — 58 percent below national average </li> <li> <strong class="font-circular-bold">New Hampshire: </strong>$980 per year — 57 percent below national average </li> <li> <strong class="font-circular-bold">Alaska: </strong>$986 per year — 57 percent below national average </li> </ul> </div> <div class="wysiwyg display-block w-full"> <p class="text-slate text-gray-700 text-sm"><em>*Rates are for $300,000 in dwelling coverage</em></p></div> </div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab py-2 px-2"> <div class="wysiwyg display-inline"> <h3>What are the five most expensive states for homeowners insurance? </h3> <p>The states with the most expensive average annual home insurance premiums are Nebraska, Florida, Oklahoma, Louisiana and Kansas. In each of these states, the average price of home insurance exceeds $4,000 per year, and in the two most expensive states — Nebraska and Florida — homeowners pay over $5,000 per year, on average. The higher rates are likely due to a higher risk of widespread home damage; many of these states are in an area of the country where <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/the-10-worst-states-for-tornadoes/">tornado damage</a> is relatively common. The average cost of homeowners insurance in these states is outlined below.</p></div> <div class="insurance-geo-comparison-list"> <ul class="display-flex flex-direction-column gap-y-3"> <li> <strong class="font-circular-bold">Nebraska: </strong>$5,544 per year — 141 percent above national average </li> <li> <strong class="font-circular-bold">Florida: </strong>$5,527 per year — 140 percent above national average </li> <li> <strong class="font-circular-bold">Oklahoma: </strong>$5,049 per year — 119 percent above national average </li> <li> <strong class="font-circular-bold">Louisiana: </strong>$4,296 per year — 86 percent above national average </li> <li> <strong class="font-circular-bold">Kansas: </strong>$4,241 per year — 84 percent above national average </li> </ul> </div> <div class="wysiwyg display-block w-full"> <div><em>*Rates are for $300,000 in dwelling coverage</em></div></div> </div> </div> </div> </div> <div class="bankrate-insight"> <div class="border-l-4 border-blue bg-white p-8 h-full display-flex flex-direction-column sm:flex-direction-row box-shadow-1 rounded-md"> <div class="Icon flex-shrink-0 Icon--md mb-6 mx-auto sm:mr-8"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Lightbulb Icon</title><path d="M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z" class="icon-base"/></svg></div> <div class="flex-grow"> <h4 class="mt-0 mb-4 max-w text-center sm:text-left"> Bankrate insight </h4> <div class="type-body-one text-slate text-center sm:text-left mb-0-last-child"> <div class="wysiwyg display-block w-full"> <p>The threat of natural disasters plays a significant role in determining your home insurance cost: the more likely that damage is to occur, the more likely that insurance companies are to have to pay out claims. Think about it this way: after a severe weather event, it’s likely that many homeowners will file a claim for storm-related damage. To make sure there is enough money in reserve to handle a large volume of claims, insurers tend to charge more expensive rates to homeowners in high-risk weather areas. Knowing the weather-related risks associated with your state and ZIP code can help you make informed home insurance decisions.</p></div> </div> </div> </div> </div> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> <div data-cy="rate-table-homeowners-insurance" x-data="rateTableHomeownersInsurance( '0', false, false, false, )"> <div class="trsy-shadow-sm trsy-rounded-md"> <div class="trsy-px-6 trsy-pt-4 trsy-pb-0 md:try-pb-4 trsy-overflow-auto"> <div class="trsy-grid md:trsy-grid-cols-4 trsy-mb-8"> <div class="md:trsy-col-span-1"> <img src="https://www.bankrate.com/v5.1514.2/next/img/insurance/bankrate-and-coverage-logo.png" class="trsy-w-40" alt="Bankrate and Coverage Logo"> </div> <div class="md:trsy-col-span-3"> <div class="display-flex flex-direction-column md:flex-direction-row align-items-center mb-1 justify-content-center w-full display-none md:display-flex"data-cy="disclosure-container"> <p class="mb-0 type-body-three text-slate">Powered by Coverage.com (NPN: 19966249)</p> <div class="display-flex align-items-center mt-2 md:mt-0"> <div class="bg-gray h-3 w-px mx-2 md:mx-4 display-none md:display-block"></div> <div class="pos-relative type-body-three"x-data="{ advertisingDisclosureOpen: false }" data-cy="advertiser-disclosure"> <a class="display-inline-block Link hover:text-blue-mid" @click.prevent="advertisingDisclosureOpen = !advertisingDisclosureOpen" @click.away="advertisingDisclosureOpen = false" href="#"> Advertising disclosure </a> <div class="pos-absolute bg-white bg-auto border border-blue max-w-md z-layer-two p-2 mt-2 text-left" x-cloak x-show="advertisingDisclosureOpen" style="width: 16.875rem; left: -25%; top: 1.25rem;" data-cy="advertiser-disclosure-content"> <div class="type-body-three mb-0"> This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. 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All offers are subject to additional terms and conditions. </div> </div> </div> <div class="bg-gray h-3 w-px mx-2 md:mx-4"></div> <div x-data="{ insuranceDisclosureOpen: false }" class="insurance-disclosure type-body-three pos-relative" data-cy="insurance-disclosure"> <div class="mb-0 md:display-flex justify-content-center align-items-baseline"> <a href="#" class="ad-disclosure-btn display-inline-block Link hover:text-blue-mid" @click.prevent="insuranceDisclosureOpen = !insuranceDisclosureOpen" @click.away="insuranceDisclosureOpen = false"> Insurance disclosure </a> </div> <div class="pos-absolute bg-white bg-auto border border-blue max-w-md z-layer-two p-2 mt-2 right text-left" x-cloak x-show="insuranceDisclosureOpen" style="width: 16.875rem; right: -25%; top: 1.25rem;" data-cy="insurance-disclosure-content"> <p class="type-body-three mb-0"> Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in <a href="https://www.coverage.com/insurance-licenses/" target="_blank">states where it is licensed</a>. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. </p> </div> </div> </div> </div> </div> </div> <h3 class="trsy-mb-4 trsy-heading-4 md:trsy-heading-2">Find a great rate on home insurance</h3> <p class="trsy-text-sm trsy-text-gray-700 trsy-leading-6 md:trsy-text-base trsy-mb-0 md:trsy-mb-6">Compare custom quotes from top carriers to start saving on your next policy.</p> <div class="input-container w-full display flex-direction-column my-4 md:mt-6 md:flex-direction-row md:justify-content-space-between md:align-items-end"> <div class="display-flex flex-direction-column md:flex-direction-row md:justify-content-space-between md:align-items-center"> <div class="md:w-1/3"> <div x-data x-id="['input']" class="FormControl"> <label x-bind:for="$id('input')" class="FormLabel mb-2"> Do you own or rent this home?</label> <div x-bind:id="$id('input')" class="FormButtonGroup FormButtonGroup--fill border-0"> <label x-id="['radio-input']" data-cy="form-button-radio-button" class="FormRadio mr-5" :for="$id('radio-input')"> <input type="radio" class="FormRadio-input" :id="$id('radio-input')" value="OWN" x-model="ownRentOption.userInputField.fieldValue" x-on:change="inputChange('ownRent')" name="1969b562-9f3f-4057-9c72-53edce73a7ff"> <span class="FormRadio-fauxInput mr-2"></span> Own</label> <label x-id="['radio-input']" data-cy="form-button-radio-button" class="FormRadio mr-5" :for="$id('radio-input')"> <input type="radio" class="FormRadio-input" :id="$id('radio-input')" value="RENT" x-model="ownRentOption.userInputField.fieldValue" x-on:change="inputChange('ownRent')" name="1969b562-9f3f-4057-9c72-53edce73a7ff"> <span class="FormRadio-fauxInput mr-2"></span> Rent</label> </div></div> </div> <div class="zip-input my-3 md:my-0 md:w-1/3 md:mx-6"> <div x-data x-id="['input']" class="FormControl" x-bind:class="{ 'is-error': zipInput.hasError }"> <label x-bind:for="$id('input')" class="FormLabel"> ZIP Code</label> <input x-bind:id="$id('input')" class="FormInput" name="zip_code_input" maxlength="5" x-model="zipInput.userInputField.fieldValue" x-on:keypress="onlyNumbers"> <span class="pos-absolute right-1 text-slate bottom-4 pointer-events-none pr-4 leading-none h-4"> <span class="icon icon-size"> <svg class="h-4" width="16" height="20" viewBox="0 0 16 20" xmlns="http://www.w3.org/2000/svg"> <title>Location-Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M8 20C2.66667 15.3333 0 11.3333 0 8C0 3 3.58172 0 8 0C12.4183 0 16 3 16 8C16 11.3333 13.3333 15.3333 8 20ZM2 8C2 10.3626 3.95475 13.5154 8 17.3039C12.0453 13.5154 14 10.3626 14 8C14 4.32919 11.5476 2 8 2C4.45236 2 2 4.32919 2 8ZM8 11C6.34315 11 5 9.65685 5 8C5 6.34315 6.34315 5 8 5C9.65685 5 11 6.34315 11 8C11 9.65685 9.65685 11 8 11Z" fill="#151515"/> </svg> </span> </span></div> <span class="FormElementHelp mt-1 text-center text-size-xs" x-show="!zipInput.hasError"> Your information is kept secure</span> <span class="FormElementHelp is-error text-size-xs mt-1" x-cloak="x-cloak" x-show="zipInput.hasError" x-text="zipInput.errorMessage"> </span> </div> <div class="w-full display-flex justify-content-center md:w-1/3 mt-2"> <button @click="submitForm" type="submit" data-cy="continue-button" class="Button Button--primary h-12 w-full"> Continue</button> </div> </div> </div> </div> <div class="trsy-pb-4 md:trsy-pb-0"> <div class="display-flex flex-direction-column md:flex-direction-row align-items-center mb-1 justify-content-center md:display-none trsy-py-3 md:trsy-py-3"data-cy="disclosure-container"> <p class="mb-0 type-body-three text-slate">Powered by Coverage.com (NPN: 19966249)</p> <div class="display-flex align-items-center mt-2 md:mt-0"> <div class="bg-gray h-3 w-px mx-2 md:mx-4 display-none md:display-block"></div> <div class="pos-relative type-body-three"x-data="{ advertisingDisclosureOpen: false }" data-cy="advertiser-disclosure"> <a class="display-inline-block Link hover:text-blue-mid" @click.prevent="advertisingDisclosureOpen = !advertisingDisclosureOpen" @click.away="advertisingDisclosureOpen = false" href="#"> Advertising disclosure </a> <div class="pos-absolute bg-white bg-auto border border-blue max-w-md z-layer-two p-2 mt-2 text-left" x-cloak x-show="advertisingDisclosureOpen" style="width: 16.875rem; left: -25%; top: 1.25rem;" data-cy="advertiser-disclosure-content"> <div class="type-body-three mb-0"> This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. </div> </div> </div> <div class="bg-gray h-3 w-px mx-2 md:mx-4"></div> <div x-data="{ insuranceDisclosureOpen: false }" class="insurance-disclosure type-body-three pos-relative" data-cy="insurance-disclosure"> <div class="mb-0 md:display-flex justify-content-center align-items-baseline"> <a href="#" class="ad-disclosure-btn display-inline-block Link hover:text-blue-mid" @click.prevent="insuranceDisclosureOpen = !insuranceDisclosureOpen" @click.away="insuranceDisclosureOpen = false"> Insurance disclosure </a> </div> <div class="pos-absolute bg-white bg-auto border border-blue max-w-md z-layer-two p-2 mt-2 right text-left" x-cloak x-show="insuranceDisclosureOpen" style="width: 16.875rem; right: -25%; top: 1.25rem;" data-cy="insurance-disclosure-content"> <p class="type-body-three mb-0"> Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in <a href="https://www.coverage.com/insurance-licenses/" target="_blank">states where it is licensed</a>. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. </p> </div> </div> </div> </div> </div> </div> </div> <div class="vertical-spacer pt-6" style="width: 100%; content: '';"></div> <div class="wysiwyg display-inline"> <h3>Average cost of home insurance by city</h3> <div>In addition to the state you live in, your individual city may also have an impact on your home insurance rates. Risk factors like weather damage and crime statistics vary by city, as do the costs for materials and labor. Below are the 25 largest cities in the U.S. by population and their average premiums, as provided by Quadrant Information Services. According to our research, Oklahoma City has the highest average annual premium on this list, at $5,817, while Portland, Oregon’s average annual premium is the lowest at $940.</div></div> <div x-data="table({ containerId: '04eb4fde-e002-4d96-a433-924915085809', tableId: 'table-04eb4fde-e002-4d96-a433-924915085809', buttonId: 'button-04eb4fde-e002-4d96-a433-924915085809', rowsToShow: 10, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="04eb4fde-e002-4d96-a433-924915085809" class="table-container" tabindex="0"> <table id="table-04eb4fde-e002-4d96-a433-924915085809" class="Table table-content "> <thead> <tr> <th class="sortable text-left"> <div class="display-flex flex-direction-row align-items-center pos-relative w-full"> <div> City</div> <div class="mr-2"> <button aria-label="Unsorted" data-op="sort-desc" data-col="1" class="Button Button--bare align-items-center text-gray sort hover:icon-base-blue Button--sort"> <span class="Icon Icon--custom mx-1 sort-desc"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Unsorted Caret Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M16.39 7.966c.17.16.385.246.61.246.225 0 .44-.075.611-.246a.86.86 0 0 0 0-1.211l-5.006-5.006a.86.86 0 0 0-1.21 0L6.388 6.755a.86.86 0 0 0 0 1.21.86.86 0 0 0 1.211 0l4.395-4.394 4.394 4.395ZM11.994 22.5h.01-.02.01Zm-.6-.247a.868.868 0 0 0 .6.247.849.849 0 0 0 .6-.247l5.005-5.005a.86.86 0 0 0 0-1.211.86.86 0 0 0-1.21 0l-4.395 4.394L7.6 16.037a.86.86 0 0 0-1.21 0 .86.86 0 0 0 0 1.211l5.005 5.005Z" class="icon-base"/></svg></span> <span class="Icon Icon--sort mx-1 mb-1 sort-default display-none"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg></span> <span class="Icon Icon--sort mx-1 sort-asc display-none"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> </div> </th> <th class="sortable text-right"> <div class="display-flex flex-direction-row align-items-center pos-relative w-full justify-content-flex-end"> <div> Average annual rate</div> <div class="mr-2 sortable-buttons"> <button aria-label="Unsorted" data-op="sort-desc" data-col="2" class="Button Button--bare align-items-center text-gray sort hover:icon-base-blue Button--sort"> <span class="Icon Icon--custom mx-1 sort-desc"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Unsorted Caret Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M16.39 7.966c.17.16.385.246.61.246.225 0 .44-.075.611-.246a.86.86 0 0 0 0-1.211l-5.006-5.006a.86.86 0 0 0-1.21 0L6.388 6.755a.86.86 0 0 0 0 1.21.86.86 0 0 0 1.211 0l4.395-4.394 4.394 4.395ZM11.994 22.5h.01-.02.01Zm-.6-.247a.868.868 0 0 0 .6.247.849.849 0 0 0 .6-.247l5.005-5.005a.86.86 0 0 0 0-1.211.86.86 0 0 0-1.21 0l-4.395 4.394L7.6 16.037a.86.86 0 0 0-1.21 0 .86.86 0 0 0 0 1.211l5.005 5.005Z" class="icon-base"/></svg></span> <span class="Icon Icon--sort mx-1 mb-1 sort-default display-none"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg></span> <span class="Icon Icon--sort mx-1 sort-asc display-none"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> </div> </th> <th class="sortable text-right"> <div class="display-flex flex-direction-row align-items-center pos-relative w-full justify-content-flex-end"> <div> Average monthly rate</div> <div class="mr-2 sortable-buttons"> <button aria-label="Unsorted" data-op="sort-desc" data-col="3" class="Button Button--bare align-items-center text-gray sort hover:icon-base-blue Button--sort"> <span class="Icon Icon--custom mx-1 sort-desc"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Unsorted Caret Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M16.39 7.966c.17.16.385.246.61.246.225 0 .44-.075.611-.246a.86.86 0 0 0 0-1.211l-5.006-5.006a.86.86 0 0 0-1.21 0L6.388 6.755a.86.86 0 0 0 0 1.21.86.86 0 0 0 1.211 0l4.395-4.394 4.394 4.395ZM11.994 22.5h.01-.02.01Zm-.6-.247a.868.868 0 0 0 .6.247.849.849 0 0 0 .6-.247l5.005-5.005a.86.86 0 0 0 0-1.211.86.86 0 0 0-1.21 0l-4.395 4.394L7.6 16.037a.86.86 0 0 0-1.21 0 .86.86 0 0 0 0 1.211l5.005 5.005Z" class="icon-base"/></svg></span> <span class="Icon Icon--sort mx-1 mb-1 sort-default display-none"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg></span> <span class="Icon Icon--sort mx-1 sort-asc display-none"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> </div> </th> <th class="sortable text-right"> <div class="display-flex flex-direction-row align-items-center pos-relative w-full justify-content-flex-end"> <div> Percent difference from national average</div> <div class="mr-2 sortable-buttons"> <button aria-label="Unsorted" data-op="sort-desc" data-col="4" class="Button Button--bare align-items-center text-gray sort hover:icon-base-blue Button--sort"> <span class="Icon Icon--custom mx-1 sort-desc"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Unsorted Caret Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M16.39 7.966c.17.16.385.246.61.246.225 0 .44-.075.611-.246a.86.86 0 0 0 0-1.211l-5.006-5.006a.86.86 0 0 0-1.21 0L6.388 6.755a.86.86 0 0 0 0 1.21.86.86 0 0 0 1.211 0l4.395-4.394 4.394 4.395ZM11.994 22.5h.01-.02.01Zm-.6-.247a.868.868 0 0 0 .6.247.849.849 0 0 0 .6-.247l5.005-5.005a.86.86 0 0 0 0-1.211.86.86 0 0 0-1.21 0l-4.395 4.394L7.6 16.037a.86.86 0 0 0-1.21 0 .86.86 0 0 0 0 1.211l5.005 5.005Z" class="icon-base"/></svg></span> <span class="Icon Icon--sort mx-1 mb-1 sort-default display-none"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg></span> <span class="Icon Icon--sort mx-1 sort-asc display-none"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> </div> </th> </tr> </thead> <tbody> <tr id="e3b26825-9108-430b-ad3e-1eb641893792" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/insurance/homeowners-insurance/los-angeles-ca/" target="_blank">Los Angeles, CA</a></td> <td data-col="2" class="text-right"> $1,910</td> <td data-col="3" class="text-right"> $159</td> <td data-col="4" class="text-right"> 17 percent less</td> </tr> <tr id="c96de6b2-f431-4c04-84ea-8eae71307271" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/insurance/homeowners-insurance/chicago-il/" target="_blank">Chicago, IL</a></td> <td data-col="2" class="text-right"> $2,934</td> <td data-col="3" class="text-right"> $245</td> <td data-col="4" class="text-right"> 27 percent more</td> </tr> <tr id="fafe6b19-1db7-4148-9684-3bbcf7239bb9" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/insurance/homeowners-insurance/houston-tx/" target="_blank">Houston, TX</a></td> <td data-col="2" class="text-right"> $5,157</td> <td data-col="3" class="text-right"> $430</td> <td data-col="4" class="text-right"> 124 percent more</td> </tr> <tr id="8f96033d-295c-4f96-8baf-cb2e3cd50aa6" class=""> <td data-col="1" class="text-left"> Phoenix, AZ</td> <td data-col="2" class="text-right"> $2,658</td> <td data-col="3" class="text-right"> $221</td> <td data-col="4" class="text-right"> 15 percent more</td> </tr> <tr id="9779222c-e35f-4eda-bbb8-e623a8a97dc6" class=""> <td data-col="1" class="text-left"> Dallas, TX</td> <td data-col="2" class="text-right"> $3,721</td> <td data-col="3" class="text-right"> $310</td> <td data-col="4" class="text-right"> 61 percent more</td> </tr> <tr id="4586c79b-7b4b-42f3-8ac5-2a3257e3301e" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/insurance/homeowners-insurance/austin-tx/" target="_blank">Austin, TX</a></td> <td data-col="2" class="text-right"> $2,450</td> <td data-col="3" class="text-right"> $204</td> <td data-col="4" class="text-right"> 6 percent more</td> </tr> <tr id="a97e1f1a-ee54-4564-a794-1791bb4cc2ea" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/insurance/homeowners-insurance/fort-worth-tx/" target="_blank">Fort Worth, TX</a></td> <td data-col="2" class="text-right"> $3,923</td> <td data-col="3" class="text-right"> $327</td> <td data-col="4" class="text-right"> 70 percent more</td> </tr> <tr id="71eb1866-77f0-472f-a4d6-87b81f013e93" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/insurance/homeowners-insurance/columbus-oh/" target="_blank">Columbus, OH</a></td> <td data-col="2" class="text-right"> $1,334</td> <td data-col="3" class="text-right"> $111</td> <td data-col="4" class="text-right"> 42 percent less</td> </tr> <tr id="f38134b3-eb50-40c0-9b5a-b837b61877cd" class=""> <td data-col="1" class="text-left"> Charlotte, NC</td> <td data-col="2" class="text-right"> $1,751</td> <td data-col="3" class="text-right"> $146</td> <td data-col="4" class="text-right"> 24 percent less</td> </tr> <tr id="ef0d4175-a9e7-4565-b9a1-28475477bbed" class=""> <td data-col="1" class="text-left"> Indianapolis, IN</td> <td data-col="2" class="text-right"> $1,898</td> <td data-col="3" class="text-right"> $158</td> <td data-col="4" class="text-right"> 18 percent less</td> </tr> <tr id="09311c75-c91e-451d-91f5-8eb6c81a20d5" class="hidden-row"> <td data-col="1" class="text-left"> Seattle, WA</td> <td data-col="2" class="text-right"> $1,399</td> <td data-col="3" class="text-right"> $117</td> <td data-col="4" class="text-right"> 39 percent less</td> </tr> <tr id="0679342d-6854-4822-9889-15265820cc12" class="hidden-row"> <td data-col="1" class="text-left"> Denver, CO</td> <td data-col="2" class="text-right"> $3,457</td> <td data-col="3" class="text-right"> $288</td> <td data-col="4" class="text-right"> 50 percent more</td> </tr> <tr id="5f31f815-daad-47aa-9953-8a62377c0bdc" class="hidden-row"> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/insurance/homeowners-insurance/washington-dc/" target="_blank">Washington, D.C.</a></td> <td data-col="2" class="text-right"> $1,405</td> <td data-col="3" class="text-right"> $117</td> <td data-col="4" class="text-right"> 39 percent less</td> </tr> <tr id="dfde0bd9-e427-459b-ae06-456bd57e6c49" class="hidden-row"> <td data-col="1" class="text-left"> Nashville, TN</td> <td data-col="2" class="text-right"> $2,267</td> <td data-col="3" class="text-right"> $189</td> <td data-col="4" class="text-right"> 2 percent less</td> </tr> <tr id="6163eceb-93b9-4bd8-8e86-d0a7956256bd" class="hidden-row"> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/insurance/homeowners-insurance/detroit-mi/" target="_blank">Detroit, MI</a></td> <td data-col="2" class="text-right"> $3,357</td> <td data-col="3" class="text-right"> $280</td> <td data-col="4" class="text-right"> 46 percent more</td> </tr> <tr id="0e1724b3-ce1f-40fb-b20b-21fe481381d2" class="hidden-row"> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/insurance/homeowners-insurance/las-vegas-nv/" target="_blank">Las Vegas, NV</a></td> <td data-col="2" class="text-right"> $990</td> <td data-col="3" class="text-right"> $83</td> <td data-col="4" class="text-right"> 57 percent less</td> </tr> <tr id="889d32c3-7dd9-4950-9bbd-7a5431e2162e" class="hidden-row"> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/insurance/homeowners-insurance/oklahoma-city-ok/" target="_blank">Oklahoma City, OK</a></td> <td data-col="2" class="text-right"> $5,817</td> <td data-col="3" class="text-right"> $485</td> <td data-col="4" class="text-right"> 152 percent more</td> </tr> <tr id="39f84cba-e707-4d34-ae4b-737813383043" class="hidden-row"> <td data-col="1" class="text-left"> Portland, OR</td> <td data-col="2" class="text-right"> $940</td> <td data-col="3" class="text-right"> $78</td> <td data-col="4" class="text-right"> 59 percent less</td> </tr> <tr id="2f8dc465-eda0-408a-9f61-2d573b7f1bf7" class="hidden-row"> <td data-col="1" class="text-left"> Memphis, TN</td> <td data-col="2" class="text-right"> $3,133</td> <td data-col="3" class="text-right"> $261</td> <td data-col="4" class="text-right"> 36 percent more</td> </tr> <tr id="4b55d9fe-4754-4b4c-ac89-fe8f68ac5f12" class="hidden-row"> <td data-col="1" class="text-left"> Baltimore, MD</td> <td data-col="2" class="text-right"> $1,668</td> <td data-col="3" class="text-right"> $139</td> <td data-col="4" class="text-right"> 28 percent less</td> </tr> </tbody> </table> <table id="header-fixed-04eb4fde-e002-4d96-a433-924915085809" class="Table table-content header-fixed display-none"></table> </div> <div class="w-full text-center"> <button class="Button Button--flat table__show-more-btn" data-show="0" data-show-label="Show 10 more rows" data-hide-label="Hide 10 rows" @click="showHiddenRows($event)" id="button-04eb4fde-e002-4d96-a433-924915085809"> Show 10 more rows</button> </div> <div class="mt-4 mb-8"> </div> </div> <div class="insurance-rates-footer my-4 md:mb-6"> <div class="type-body-two text-slate pb-4"> *Rates are for $300,000 in dwelling coverage</div> <div class="display-flex flex-direction-column md:flex-direction-row md:justify-content-space-between"> <div class="display-flex bg-blue-light py-3 pl-6 pr-10 rounded-r-full type-body-two text-black font-bold mb-4 md:mb-0 max-w-max"> <span class="Icon mr-3 icon-highlight-blue w-5 h-5"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Mortgage Reviews Icon</title><path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M21.436 10.289c.115.09.263.139.402.139v-.008a.652.652 0 0 0 .517-.246.646.646 0 0 0-.107-.92l-3.42-2.695V4.3a.658.658 0 0 0-.657-.656.658.658 0 0 0-.656.656v1.225l-3.511-2.767c-1.181-.96-2.888-.96-4.052 0L1.748 9.263a.652.652 0 0 0-.107.919.652.652 0 0 0 .92.107l.574-.456v9.833a2.273 2.273 0 0 0 2.297 2.297h13.125a2.273 2.273 0 0 0 2.297-2.297V9.83l.582.459Zm-1.894-1.492-6.367-5.014a1.882 1.882 0 0 0-2.403-.008L4.447 8.792v10.874c0 .574.41.984.985.984h13.125c.575 0 .985-.41.985-.984V8.796Zm-10.42 8.932c.214.205.493.32.772.32l-.008.017c.115 0 .221-.025.336-.058.033-.008.098-.04.098-.04l1.69-.895 1.592.82c.23.156.484.156.574.156.509 0 .927-.443.927-.984 0-.041-.008-.123-.008-.123l-.345-1.822 1.321-1.32a.956.956 0 0 0 .336-.583.887.887 0 0 0-.237-.779c-.083-.082-.288-.287-.632-.304l-1.846-.246-.796-1.6c-.065-.295-.303-.492-.746-.598-.05-.017-.099-.017-.156-.017h-.221c-.173 0-.394.123-.517.247l-.107.106a.655.655 0 0 0-.123.172l-.845 1.69-1.83.246a.622.622 0 0 0-.311.132.756.756 0 0 0-.23.164.975.975 0 0 0-.27.68c0 .255.098.51.278.69l1.362 1.312-.295 1.83c-.008.032-.008.073-.008.106 0 .148 0 .435.246.681Zm1.395-2.707c0-.36-.123-.632-.36-.796v.008l-.928-.894 1.288-.172c.386-.024.698-.27.788-.607l.632-1.263.672 1.337c.205.402.517.508.755.525l1.304.172-.951.952a1.072 1.072 0 0 0-.296.861l.247 1.288-1.223-.632c-.312-.164-.664-.147-.919.033l-1.238.657.221-1.362c.008-.033.008-.074.008-.107Z" class="icon-base"/></svg></span> <div> Rates refreshed as of Nov 2024</div> </div> <a class="type-body-two text-blue font-bold md:align-self-center hover:underline hover:text-blue-mid no-underline" href="#methodology"> Read our full methodology </a> </div> </div> <div class="bg-gray-light px-6 md:px-8 py-8"> <div class="quick-fact display-flex flex-direction-column md:flex-direction-row align-items-center md:align-items-flex-start gap-5"> <span class="Card-icon "> <svg class="Icon Icon--nm" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Lightbulb Icon</title><path d="M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 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3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z" class="icon-base"/></svg></span> <div> <div class="leading-7 font-circular-bold text-center md:text-left text-base text-black pb-2">Other location-specific rate factors</div> <p>Geographic location typically impacts your insurance rates because every area of the country has a different risk level for damage. Some areas may have a higher risk of wind damage, for example, while other areas often sustain damage from fires.</p> <ul> <li><strong>Weather- and location-related risks:</strong> Standard homeowners policies generally do not cover flood damage or damage from earthquakes. In fact, some insurance companies do not cover homes in flood zones at all. Other insurance companies sell private <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/how-to-buy-flood-insurance/">flood insurance</a> or offer <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/is-earthquake-insurance-worth-it/">earthquake coverage</a> as standalone policies or optional endorsements.</li> <li><strong>Fire risk:</strong> According to Triple-I, <a class="Link" href="https://www.iii.org/fact-statistic/facts-statistics-fire" target="_blank" rel="noopener">structure fires</a> caused around $10.5 billion worth of residential home damage in 2022, the most recent year data are available. Insurance companies assign homeowners premiums based on proximity to a fire station and fire hydrants because rapid emergency response often minimizes damage.</li> <li><strong>Property crime risk: </strong>If your home is in a neighborhood prone to frequent crime, like vandalism and break-ins, it could be considered <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/high-risk-homeowners-insurance/">high risk</a>, which can negatively impact your insurance rates. Depending on the discounts available from your insurance carrier, installing additional safety features in your home, such as deadbolts and a security alarm system, may help you offset the higher premium.</li> </ul></div> </div> </div> <div class="vertical-spacer pt-4" style="width: 100%; content: '';"></div> </div> <div id="avg-cost-by-company" class="SectionWithTocItem " data-beam-element-viewed id="avg-cost-by-company" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="How much does home insurance cost by company?" data-position="3" data-text="" > <div class="wysiwyg display-inline"> <h2>How much does home insurance cost by company?</h2></div> <div class="wysiwyg display-inline"> <p>Home insurance is a multi-faceted product with many factors influencing your policy premium. Aside from location, claim history, square footage and other rating factors, the amount of coverage you purchase and the company you choose may also impact the price of your policy. While $300,000 in dwelling coverage may be appropriate for some homeowners, it could be insufficient or too high for others. Some home insurance companies may use the age of your roof as a strong rating factor while others are more concerned with your home's proximity to the fire department.</p> <p>Below, our insurance editorial team has listed average rates from some of the most prominent insurance companies. To help you pinpoint the <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/cheap-homeowners-insurance/">cheapest home insurance company</a> for your coverage needs, our table includes average insurance rates for policies with a $300K, $350K and $450K dwelling coverage limit.</p></div> <div id="tabs-v3-1a0048a2-d859-4151-99ac-2a70a2eb1aa9" class="TabsV3" x-data="{ selectedId: null, init() { // Set the first available tab on the page on page load. this.$nextTick(() => this.select(this.$id('tab', 1))) }, select(id) { this.selectedId = id }, isSelected(id) { return this.selectedId === id }, whichChild(el, parent) { return Array.from(parent.children).indexOf(el) + 1 } }" x-id="['tab']"> <div class="sm:gutter"> <div class="wrapper" style=""> <div class="TabsV3-select FormControl"> <select aria-label="Select your option" class="FormSelect normal-case" x-model="selectedId" @change="() => $el.dataset.text = $el.options[$el.selectedIndex].text"> <option :value="$id('tab', 1)"> $300K dwelling coverage</option> <option :value="$id('tab', 2)"> $350K dwelling coverage</option> <option :value="$id('tab', 3)"> $450K dwelling coverage</option> </select> <svg class="FormSelect-arrow Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></div> <ul class="TabsV3-nav full-width display-none md:display-flex" x-ref="tablist" @keydown.right.prevent.stop="$focus.wrap().next()" @keydown.home.prevent.stop="$focus.first()" @keydown.page-up.prevent.stop="$focus.first()" @keydown.left.prevent.stop="$focus.wrap().prev()" @keydown.end.prevent.stop="$focus.last()" @keydown.page-down.prevent.stop="$focus.last()" role="tablist"> <li class="TabsV3-item pb-0" role="presentation"> <button :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > $300K dwelling coverage</button> </li> <li class="TabsV3-item pb-0" role="presentation"> <button :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > $350K dwelling coverage</button> </li> <li class="TabsV3-item pb-0" role="presentation"> <button :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > $450K dwelling coverage</button> </li> </ul> </div> </div> <div class="TabsV3-content mt-5 TabsV3-content-noscript sm:gutter" x-cloak> <noscript><style> .TabsV3-content-noscript {display: block!important;} </style></noscript> <div class="wrapper"> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab py-0 px-0"> <div class="insurance-coverage-table min-w-sm mb-6 md:mb-8" data-cy="insurance-coverage-table-rates" id="DmQbuLKs75" x-data="insuranceCoverageTable( 'DmQbuLKs75', null, '5', false)"> <div id="table-DmQbuLKs75"> <table class="mb-2 Table insurance-coverage-table-DmQbuLKs75 pos-relative"> <thead class="display-table-header-group"> <tr class=""> <th class="border-b border-gray p-2 font-bold insurance-coverage-table--first-column text-left z-layer-five carrier-column md:w-48"> <div 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13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> <th class="border-b border-gray p-2 font-bold text-center sm:text-right md:w-48"> <div class="insurance-coverage-table--sort-container-DmQbuLKs75 display-flex"> <button class="display-inline-flex Button Button--bare" @click="sortColumn('money', 2)"> <span class="display-inline-flex type-body-two text-black font-circular-bold"> Average monthly rate</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> </tr> </thead> <tbody class="border-t pt-4 sm:display-table-header-group sm:border-t-0 sm:pt-0"> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3" > <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/usaa/"> USAA</a> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $1,451</div> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $121</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3" > <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/state-farm/"> State Farm</a> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $1,984</div> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $165</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3" > <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/erie/"> Erie</a> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $1,871</div> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $156</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3" > <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/chubb/"> Chubb</a> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $3,567</div> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $297</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3" > <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/amica/"> Amica</a> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $1,876</div> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $156</div> </div> </td> </tr> </tbody> <tbody data-cy="hidden-rows" x-cloak x-show="expanded" class="border-t-0 pt-0"> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/american-family/"> American Family</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $1,698</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $142</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/nationwide/"> Nationwide</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $1,772</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $148</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/allstate/"> Allstate</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,289</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $191</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/farmers/"> Farmers</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,672</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $223</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/travelers/"> Travelers</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,448</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $204</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/progressive/"> Progressive</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,485</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $207</div> </div> </td> </tr> </tbody> <noscript> <tbody> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/american-family/"> American Family</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $1,698</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $142</div> </div> </td> </tr> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/nationwide/"> Nationwide</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $1,772</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $148</div> </div> </td> </tr> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/allstate/"> Allstate</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,289</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $191</div> </div> </td> </tr> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/farmers/"> Farmers</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,672</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $223</div> </div> </td> </tr> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/travelers/"> Travelers</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,448</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $204</div> </div> </td> </tr> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/progressive/"> Progressive</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,485</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $207</div> </div> </td> </tr> </tbody> </noscript> </table> </div> <div class="w-full text-center mt-1 mb-0"> <a data-cy="see-all-btn" href="#" x-on:click.prevent="toggle()" class="no-underline"> <span x-text="expanded ? 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md:mb-6"> <div class="type-body-two text-slate pb-4"> Home insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.</div> <div class="display-flex flex-direction-column md:flex-direction-row md:justify-content-space-between"> <div class="display-flex bg-blue-light py-3 pl-6 pr-10 rounded-r-full type-body-two text-black font-bold mb-4 md:mb-0 max-w-max"> <span class="Icon mr-3 icon-highlight-blue w-5 h-5"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Mortgage Reviews Icon</title><path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M21.436 10.289c.115.09.263.139.402.139v-.008a.652.652 0 0 0 .517-.246.646.646 0 0 0-.107-.92l-3.42-2.695V4.3a.658.658 0 0 0-.657-.656.658.658 0 0 0-.656.656v1.225l-3.511-2.767c-1.181-.96-2.888-.96-4.052 0L1.748 9.263a.652.652 0 0 0-.107.919.652.652 0 0 0 .92.107l.574-.456v9.833a2.273 2.273 0 0 0 2.297 2.297h13.125a2.273 2.273 0 0 0 2.297-2.297V9.83l.582.459Zm-1.894-1.492-6.367-5.014a1.882 1.882 0 0 0-2.403-.008L4.447 8.792v10.874c0 .574.41.984.985.984h13.125c.575 0 .985-.41.985-.984V8.796Zm-10.42 8.932c.214.205.493.32.772.32l-.008.017c.115 0 .221-.025.336-.058.033-.008.098-.04.098-.04l1.69-.895 1.592.82c.23.156.484.156.574.156.509 0 .927-.443.927-.984 0-.041-.008-.123-.008-.123l-.345-1.822 1.321-1.32a.956.956 0 0 0 .336-.583.887.887 0 0 0-.237-.779c-.083-.082-.288-.287-.632-.304l-1.846-.246-.796-1.6c-.065-.295-.303-.492-.746-.598-.05-.017-.099-.017-.156-.017h-.221c-.173 0-.394.123-.517.247l-.107.106a.655.655 0 0 0-.123.172l-.845 1.69-1.83.246a.622.622 0 0 0-.311.132.756.756 0 0 0-.23.164.975.975 0 0 0-.27.68c0 .255.098.51.278.69l1.362 1.312-.295 1.83c-.008.032-.008.073-.008.106 0 .148 0 .435.246.681Zm1.395-2.707c0-.36-.123-.632-.36-.796v.008l-.928-.894 1.288-.172c.386-.024.698-.27.788-.607l.632-1.263.672 1.337c.205.402.517.508.755.525l1.304.172-.951.952a1.072 1.072 0 0 0-.296.861l.247 1.288-1.223-.632c-.312-.164-.664-.147-.919.033l-1.238.657.221-1.362c.008-.033.008-.074.008-.107Z" class="icon-base"/></svg></span> <div> Rates refreshed as of Nov 2024</div> </div> <a class="type-body-two text-blue font-bold md:align-self-center hover:underline hover:text-blue-mid no-underline" href="#methodology"> Read our full methodology </a> </div> </div> </div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab py-0 px-0"> <div class="insurance-coverage-table min-w-sm mb-6 md:mb-8" data-cy="insurance-coverage-table-rates" id="AlI3dSOoB2" x-data="insuranceCoverageTable( 'AlI3dSOoB2', null, '5', false)"> <div id="table-AlI3dSOoB2"> <table class="mb-2 Table insurance-coverage-table-AlI3dSOoB2 pos-relative"> <thead class="display-table-header-group"> <tr class=""> <th class="border-b border-gray p-2 font-bold insurance-coverage-table--first-column text-left z-layer-five carrier-column md:w-48"> <div class="insurance-coverage-table--sort-container-AlI3dSOoB2 display-flex"> <button class="display-inline-flex Button Button--bare" @click="sortColumn('url', 0)"> <span class="display-inline-flex type-body-two text-black font-circular-bold"> Insurance company</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> <th class="border-b border-gray p-2 font-bold text-center sm:text-right md:w-48"> <div class="insurance-coverage-table--sort-container-AlI3dSOoB2 display-flex"> <button class="display-inline-flex Button Button--bare" @click="sortColumn('money', 1)"> <span class="display-inline-flex type-body-two text-black font-circular-bold"> Average annual rate</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> <th class="border-b border-gray p-2 font-bold text-center sm:text-right md:w-48"> <div class="insurance-coverage-table--sort-container-AlI3dSOoB2 display-flex"> <button class="display-inline-flex Button Button--bare" @click="sortColumn('money', 2)"> <span class="display-inline-flex type-body-two text-black font-circular-bold"> Average monthly rate</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> </tr> </thead> <tbody class="border-t pt-4 sm:display-table-header-group sm:border-t-0 sm:pt-0"> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3" > <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/usaa/"> USAA</a> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $1,607</div> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $134</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3" > <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/state-farm/"> State Farm</a> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,181</div> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $182</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3" > <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/erie/"> Erie</a> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,034</div> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $169</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3" > <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/chubb/"> Chubb</a> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $3,900</div> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $325</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3" > <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/amica/"> Amica</a> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,071</div> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $173</div> </div> </td> </tr> </tbody> <tbody data-cy="hidden-rows" x-cloak x-show="expanded" class="border-t-0 pt-0"> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/american-family/"> American Family</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $1,869</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $156</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/nationwide/"> Nationwide</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $1,993</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $166</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/allstate/"> Allstate</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,554</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $213</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/farmers/"> Farmers</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $3,058</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $255</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/travelers/"> Travelers</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,803</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $234</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/progressive/"> Progressive</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,738</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $228</div> </div> </td> </tr> </tbody> <noscript> <tbody> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/american-family/"> American Family</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $1,869</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $156</div> </div> </td> </tr> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/nationwide/"> Nationwide</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $1,993</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $166</div> </div> </td> </tr> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/allstate/"> Allstate</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,554</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $213</div> </div> </td> </tr> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/farmers/"> Farmers</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $3,058</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $255</div> </div> </td> </tr> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/travelers/"> Travelers</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,803</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $234</div> </div> </td> </tr> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/progressive/"> Progressive</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,738</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $228</div> </div> </td> </tr> </tbody> </noscript> </table> </div> <div class="w-full text-center mt-1 mb-0"> <a data-cy="see-all-btn" href="#" x-on:click.prevent="toggle()" class="no-underline"> <span x-text="expanded ? 'See less' : 'See all'"></span> <span class="Icon Icon--xs mb-1"> <svg x-cloak x-show="!expanded" class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><svg x-cloak x-show="expanded" class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg></span> </a> </div> </div> <div class="insurance-rates-footer my-4 md:mb-6"> <div class="type-body-two text-slate pb-4"> Home insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.</div> <div class="display-flex flex-direction-column md:flex-direction-row md:justify-content-space-between"> <div class="display-flex bg-blue-light py-3 pl-6 pr-10 rounded-r-full type-body-two text-black font-bold mb-4 md:mb-0 max-w-max"> <span class="Icon mr-3 icon-highlight-blue w-5 h-5"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Mortgage Reviews Icon</title><path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M21.436 10.289c.115.09.263.139.402.139v-.008a.652.652 0 0 0 .517-.246.646.646 0 0 0-.107-.92l-3.42-2.695V4.3a.658.658 0 0 0-.657-.656.658.658 0 0 0-.656.656v1.225l-3.511-2.767c-1.181-.96-2.888-.96-4.052 0L1.748 9.263a.652.652 0 0 0-.107.919.652.652 0 0 0 .92.107l.574-.456v9.833a2.273 2.273 0 0 0 2.297 2.297h13.125a2.273 2.273 0 0 0 2.297-2.297V9.83l.582.459Zm-1.894-1.492-6.367-5.014a1.882 1.882 0 0 0-2.403-.008L4.447 8.792v10.874c0 .574.41.984.985.984h13.125c.575 0 .985-.41.985-.984V8.796Zm-10.42 8.932c.214.205.493.32.772.32l-.008.017c.115 0 .221-.025.336-.058.033-.008.098-.04.098-.04l1.69-.895 1.592.82c.23.156.484.156.574.156.509 0 .927-.443.927-.984 0-.041-.008-.123-.008-.123l-.345-1.822 1.321-1.32a.956.956 0 0 0 .336-.583.887.887 0 0 0-.237-.779c-.083-.082-.288-.287-.632-.304l-1.846-.246-.796-1.6c-.065-.295-.303-.492-.746-.598-.05-.017-.099-.017-.156-.017h-.221c-.173 0-.394.123-.517.247l-.107.106a.655.655 0 0 0-.123.172l-.845 1.69-1.83.246a.622.622 0 0 0-.311.132.756.756 0 0 0-.23.164.975.975 0 0 0-.27.68c0 .255.098.51.278.69l1.362 1.312-.295 1.83c-.008.032-.008.073-.008.106 0 .148 0 .435.246.681Zm1.395-2.707c0-.36-.123-.632-.36-.796v.008l-.928-.894 1.288-.172c.386-.024.698-.27.788-.607l.632-1.263.672 1.337c.205.402.517.508.755.525l1.304.172-.951.952a1.072 1.072 0 0 0-.296.861l.247 1.288-1.223-.632c-.312-.164-.664-.147-.919.033l-1.238.657.221-1.362c.008-.033.008-.074.008-.107Z" class="icon-base"/></svg></span> <div> Rates refreshed as of Nov 2024</div> </div> <a class="type-body-two text-blue font-bold md:align-self-center hover:underline hover:text-blue-mid no-underline" href="#methodology"> Read our full methodology </a> </div> </div> </div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab py-0 px-0"> <div class="insurance-coverage-table min-w-sm mb-6 md:mb-8" data-cy="insurance-coverage-table-rates" id="ImqJgofotq" x-data="insuranceCoverageTable( 'ImqJgofotq', null, '5', false)"> <div id="table-ImqJgofotq"> <table class="mb-2 Table insurance-coverage-table-ImqJgofotq pos-relative"> <thead class="display-table-header-group"> <tr class=""> <th class="border-b border-gray p-2 font-bold insurance-coverage-table--first-column text-left z-layer-five carrier-column md:w-48"> <div class="insurance-coverage-table--sort-container-ImqJgofotq display-flex"> <button class="display-inline-flex Button Button--bare" @click="sortColumn('url', 0)"> <span class="display-inline-flex type-body-two text-black font-circular-bold"> Insurance company</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> <th class="border-b border-gray p-2 font-bold text-center sm:text-right md:w-48"> <div class="insurance-coverage-table--sort-container-ImqJgofotq display-flex"> <button class="display-inline-flex Button Button--bare" @click="sortColumn('money', 1)"> <span class="display-inline-flex type-body-two text-black font-circular-bold"> Average annual rate</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> <th class="border-b border-gray p-2 font-bold text-center sm:text-right md:w-48"> <div class="insurance-coverage-table--sort-container-ImqJgofotq display-flex"> <button class="display-inline-flex Button Button--bare" @click="sortColumn('money', 2)"> <span class="display-inline-flex type-body-two text-black font-circular-bold"> Average monthly rate</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> </tr> </thead> <tbody class="border-t pt-4 sm:display-table-header-group sm:border-t-0 sm:pt-0"> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3" > <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/usaa/"> USAA</a> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $1,924</div> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $160</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3" > <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/state-farm/"> State Farm</a> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,602</div> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $217</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3" > <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/erie/"> Erie</a> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,522</div> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $210</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3" > <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/chubb/"> Chubb</a> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $4,608</div> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $384</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3" > <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/amica/"> Amica</a> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,473</div> </div> </td> <td class="border-b border-gray px-2 text-center sm:text-right" > <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $206</div> </div> </td> </tr> </tbody> <tbody data-cy="hidden-rows" x-cloak x-show="expanded" class="border-t-0 pt-0"> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/american-family/"> American Family</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,204</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $184</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/nationwide/"> Nationwide</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,379</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $198</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/allstate/"> Allstate</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $3,074</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $256</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/farmers/"> Farmers</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $3,857</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $321</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/travelers/"> Travelers</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $3,546</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $296</div> </div> </td> </tr> <tr class="sm:display-table-row"> <td class="border-b border-gray px-2 insurance-coverage-table--first-column text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/progressive/"> Progressive</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $3,289</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $274</div> </div> </td> </tr> </tbody> <noscript> <tbody> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/american-family/"> American Family</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,204</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $184</div> </div> </td> </tr> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/nationwide/"> Nationwide</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $2,379</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $198</div> </div> </td> </tr> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/allstate/"> Allstate</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $3,074</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $256</div> </div> </td> </tr> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/farmers/"> Farmers</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $3,857</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $321</div> </div> </td> </tr> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/travelers/"> Travelers</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $3,546</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $296</div> </div> </td> </tr> <tr class="mb-3 sm:display-table-row"> <td class="border-b border-gray px-2 text-left rounded py-3"> <div class="justify-content-space-between"> <a data-cy="coverage-table-review-link" class="insurance-coverage-table--td display-block text-blue align-self-center" href="/insurance/reviews/progressive/"> Progressive</a> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $3,289</div> </div> </td> <td class="border-b border-gray px-2 text-right"> <div class="justify-content-space-between"> <div class="insurance-coverage-table--td text-black"> $274</div> </div> </td> </tr> </tbody> </noscript> </table> </div> <div class="w-full text-center mt-1 mb-0"> <a data-cy="see-all-btn" href="#" x-on:click.prevent="toggle()" class="no-underline"> <span x-text="expanded ? 'See less' : 'See all'"></span> <span class="Icon Icon--xs mb-1"> <svg x-cloak x-show="!expanded" class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><svg x-cloak x-show="expanded" class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg></span> </a> </div> </div> <div class="insurance-rates-footer my-4 md:mb-6"> <div class="type-body-two text-slate pb-4"> Home insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.</div> <div class="display-flex flex-direction-column md:flex-direction-row md:justify-content-space-between"> <div class="display-flex bg-blue-light py-3 pl-6 pr-10 rounded-r-full type-body-two text-black font-bold mb-4 md:mb-0 max-w-max"> <span class="Icon mr-3 icon-highlight-blue w-5 h-5"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Mortgage Reviews Icon</title><path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M21.436 10.289c.115.09.263.139.402.139v-.008a.652.652 0 0 0 .517-.246.646.646 0 0 0-.107-.92l-3.42-2.695V4.3a.658.658 0 0 0-.657-.656.658.658 0 0 0-.656.656v1.225l-3.511-2.767c-1.181-.96-2.888-.96-4.052 0L1.748 9.263a.652.652 0 0 0-.107.919.652.652 0 0 0 .92.107l.574-.456v9.833a2.273 2.273 0 0 0 2.297 2.297h13.125a2.273 2.273 0 0 0 2.297-2.297V9.83l.582.459Zm-1.894-1.492-6.367-5.014a1.882 1.882 0 0 0-2.403-.008L4.447 8.792v10.874c0 .574.41.984.985.984h13.125c.575 0 .985-.41.985-.984V8.796Zm-10.42 8.932c.214.205.493.32.772.32l-.008.017c.115 0 .221-.025.336-.058.033-.008.098-.04.098-.04l1.69-.895 1.592.82c.23.156.484.156.574.156.509 0 .927-.443.927-.984 0-.041-.008-.123-.008-.123l-.345-1.822 1.321-1.32a.956.956 0 0 0 .336-.583.887.887 0 0 0-.237-.779c-.083-.082-.288-.287-.632-.304l-1.846-.246-.796-1.6c-.065-.295-.303-.492-.746-.598-.05-.017-.099-.017-.156-.017h-.221c-.173 0-.394.123-.517.247l-.107.106a.655.655 0 0 0-.123.172l-.845 1.69-1.83.246a.622.622 0 0 0-.311.132.756.756 0 0 0-.23.164.975.975 0 0 0-.27.68c0 .255.098.51.278.69l1.362 1.312-.295 1.83c-.008.032-.008.073-.008.106 0 .148 0 .435.246.681Zm1.395-2.707c0-.36-.123-.632-.36-.796v.008l-.928-.894 1.288-.172c.386-.024.698-.27.788-.607l.632-1.263.672 1.337c.205.402.517.508.755.525l1.304.172-.951.952a1.072 1.072 0 0 0-.296.861l.247 1.288-1.223-.632c-.312-.164-.664-.147-.919.033l-1.238.657.221-1.362c.008-.033.008-.074.008-.107Z" class="icon-base"/></svg></span> <div> Rates refreshed as of Nov 2024</div> </div> <a class="type-body-two text-blue font-bold md:align-self-center hover:underline hover:text-blue-mid no-underline" href="#methodology"> Read our full methodology </a> </div> </div> </div> </div> </div> </div> <div class="vertical-spacer pt-4" style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <h3>Top 5 least expensive companies for home insurance</h3> <p>Based on our analysis, the companies listed below offer home insurance rates that fall below the national average. But, keep in mind that home insurance costs can change significantly from state to state. There’s no guarantee that these companies will be the cheapest in your ZIP code, but they can be a good place to start collecting quotes. </p> <ul> <li><a class="Link" href="https://www.bankrate.com/banking/reviews/usaa/">USAA</a>: $1,451 — <strong>37 percent less</strong> than the national average</li> <li><a class="Link" href="https://www.bankrate.com/insurance/reviews/auto-owners/">Auto-Owners</a>: $1,696 —<strong> 26 percent less</strong> than the national average</li> <li><a class="Link" href="https://www.bankrate.com/insurance/reviews/american-family-home-insurance/">American Family</a>: $1,698 — <strong>26 percent less</strong> than the national average</li> <li><a class="Link" href="https://www.bankrate.com/insurance/reviews/nationwide/">Nationwide</a>: $1,772 — <strong>23 percent less</strong> than the national average</li> <li><a class="Link" href="https://www.bankrate.com/insurance/reviews/erie/">Erie</a>: $1,871 — <strong>19 percent less</strong> than the national average</li> </ul> <p class="text-slate text-gray-700 text-sm text-gray text-gray-400-700"><em>*Rates are for $300,000 in dwelling coverage</em></p></div> <div class="vertical-spacer pt-4" style="width: 100%; content: '';"></div> </div> <div id="other-costs" class="SectionWithTocItem " data-beam-element-viewed id="other-costs" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="Home insurance rating factors" data-position="4" data-text="" > <div class="wysiwyg display-inline"> <h2>Home insurance rating factors</h2> <p>The purpose of insurance is to transfer the bulk of financial risk to another entity (an insurance provider) to make a potential loss more manageable for the policyholder. In simpler terms, it’s cheaper to pay insurance premiums than it is to rebuild your home from the ground up. Factors that increase or decrease the amount of risk the insurance company assumes can heavily influence insurance premiums. Understanding the most influential <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/factors-that-impact-home-insurance-rates/">factors that impact your home insurance rates</a> may help you save money when purchasing a new home or starting a policy with a new insurance provider.</p></div> <div> <div id="" data-tabs="tabs-container" x-data="{ selectedId: null, init() { this.$nextTick(() => this.select(this.$id('tab', 1))) }, select(id) { this.selectedId = id }, isSelected(id) { return this.selectedId === id }, whichChild(el, parent) { return Array.from(parent.children).indexOf(el) + 1 } }" x-id="['tab']"> <ul class="Tabs fill border-0 -ml-3 -mr-5 md:mx-0 display-flex md:-mt-4" data-tabs="tab-list" role="tablist" aria-label="tabs" x-ref="tablist" @keydown.right.prevent.stop="$focus.wrap().next()" @keydown.home.prevent.stop="$focus.first()" @keydown.page-up.prevent.stop="$focus.first()" @keydown.left.prevent.stop="$focus.wrap().prev()" @keydown.end.prevent.stop="$focus.last()" @keydown.page-down.prevent.stop="$focus.last()"> <li class="Tabs-item FormPill--small mr-1 md:mr-4 mt-3 md:mt-4 p-0 mb-0" role="presentation"> <button class="FormPill-label" :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" > Coverage amount</button> </li> <li class="Tabs-item FormPill--small mr-1 md:mr-4 mt-3 md:mt-4 p-0 mb-0" role="presentation"> <button class="FormPill-label" :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" > Credit tier</button> </li> <li class="Tabs-item FormPill--small mr-1 md:mr-4 mt-3 md:mt-4 p-0 mb-0" role="presentation"> <button class="FormPill-label" :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" > Claims history</button> </li> <li class="Tabs-item FormPill--small mr-1 md:mr-4 mt-3 md:mt-4 p-0 mb-0" role="presentation"> <button class="FormPill-label" :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" > Deductible amount</button> </li> <li class="Tabs-item FormPill--small mr-1 md:mr-4 mt-3 md:mt-4 p-0 mb-0" role="presentation"> <button class="FormPill-label" :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" > Home age</button> </li> <li class="Tabs-item FormPill--small mr-1 md:mr-4 mt-3 md:mt-4 p-0 mb-0" role="presentation"> <button class="FormPill-label" :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" > Home characteristics</button> </li> </ul> <div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" id="Coverage amount"> <div class="wysiwyg display-block w-full"> <h3>Average home insurance cost by dwelling coverage amount</h3> <p><a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/dwelling-insurance/">Dwelling insurance</a> — also known as coverage A — is the limit your insurance company will pay to repair or rebuild your home’s physical structure when damaged by a covered peril. Having the appropriate level of coverage may help financially protect one of your biggest financial assets. If you have a mortgage on your home, your financial lender may have certain minimum dwelling coverage requirements you must fulfill as a condition of your loan.</p> <p>It is also important to note that other <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/how-to-read-a-home-insurance-policy/">parts of your insurance policy</a>, such as other structures, personal property and loss of use — typically listed as coverage B, C and D, respectively — are usually based on percentages of the dwelling coverage. For example, if you have $200,000 worth of insurance for dwelling coverage, you probably have $20,000 or 10 percent of coverage A allotted for other structures coverage. Depending on your state, you may also have separate deductibles for wind or other storm damage. That additional deductible will also likely be calculated as a percentage of your dwelling coverage.</p> <p>While selecting lower coverage limits may save you some money on your policy premium, it may undercut the coverage you need throughout the rest of your policy. The proprietary rate data below highlights how dwelling coverage limits affect average homeowners premiums.</p> <div style="display: block; max-width: 100%; overflow: auto;"> </div> <p><span style="font-weight: bolder;">Learn more:</span> <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/how-much-homeowners-insurance/">How much home insurance do you need?</a></p></div> <div class="insurance-coverage-table mb-6 md:mb-8" id="GxCHMjAcCr" style="overflow-y: auto" tabindex="0" x-data="insuranceCoverageTable( 'GxCHMjAcCr', '', '5', false)"> <div id="table-GxCHMjAcCr"> <table class="mb-2 Table insurance-coverage-table-GxCHMjAcCr"> <thead class="display-none sm:display-table-header-group"> <tr class="border-b border-gray"> <th class="p-2 font-bold text-left profile-column md:w-48"> <div class="insurance-coverage-table--sort-container-GxCHMjAcCr display-flex"> <button class="display-inline-flex Button Button--bare" @click="sortColumn('url', 0)"> <span class="display-inline-flex type-body-two text-black font-circular-bold">Dwelling coverage limit</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> <th class="p-2 font-bold md:w-48"> <div class="insurance-coverage-table--sort-container-GxCHMjAcCr display-flex"> <button class="display-inline-flex Button Button--bare" @click="sortColumn('money', 1)"> <span class="display-inline-flex type-body-two text-black font-circular-bold">Average annual rate</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> <th class="p-2 font-bold md:w-48"> <div class="insurance-coverage-table--sort-container-GxCHMjAcCr display-flex"> <button class="display-inline-flex Button Button--bare" @click="sortColumn('money', 2)"> <span class="display-inline-flex type-body-two text-black font-circular-bold">Average monthly rate</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> </tr> </thead> <tbody class="display-flex flex-direction-column border-t pt-4 sm:display-table-header-group sm:border-t-0 sm:pt-0"> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <span class="insurance-coverage-table--td display-block text-black"> $150,000</span> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual rate</div> <div class="insurance-coverage-table--td text-black"> $1,406</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly rate</div> <div class="insurance-coverage-table--td text-black"> $117</div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <span class="insurance-coverage-table--td display-block text-black"> $300,000</span> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual rate</div> <div class="insurance-coverage-table--td text-black"> $2,304</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly rate</div> <div class="insurance-coverage-table--td text-black"> $192</div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <span class="insurance-coverage-table--td display-block text-black"> $350,000</span> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual rate</div> <div class="insurance-coverage-table--td text-black"> $2,571</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly rate</div> <div class="insurance-coverage-table--td text-black"> $214</div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <span class="insurance-coverage-table--td display-block text-black"> $450,000</span> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual rate</div> <div class="insurance-coverage-table--td text-black"> $3,118</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly rate</div> <div class="insurance-coverage-table--td text-black"> $260</div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <span class="insurance-coverage-table--td display-block text-black"> $750,000</span> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual rate</div> <div class="insurance-coverage-table--td text-black"> $4,549</div> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average monthly rate</div> <div class="insurance-coverage-table--td text-black"> $379</div> </div> </td> </tr> </tbody> </table> </div> </div> <div class="insurance-rates-footer my-4 md:mb-6"> <div class="type-body-two text-slate pb-4"> Home insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.</div> <div class="display-flex flex-direction-column md:flex-direction-row md:justify-content-space-between"> <div class="display-flex bg-blue-light py-3 pl-6 pr-10 rounded-r-full type-body-two text-black font-bold mb-4 md:mb-0 max-w-max"> <span class="Icon mr-3 icon-highlight-blue w-5 h-5"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Mortgage Reviews Icon</title><path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M21.436 10.289c.115.09.263.139.402.139v-.008a.652.652 0 0 0 .517-.246.646.646 0 0 0-.107-.92l-3.42-2.695V4.3a.658.658 0 0 0-.657-.656.658.658 0 0 0-.656.656v1.225l-3.511-2.767c-1.181-.96-2.888-.96-4.052 0L1.748 9.263a.652.652 0 0 0-.107.919.652.652 0 0 0 .92.107l.574-.456v9.833a2.273 2.273 0 0 0 2.297 2.297h13.125a2.273 2.273 0 0 0 2.297-2.297V9.83l.582.459Zm-1.894-1.492-6.367-5.014a1.882 1.882 0 0 0-2.403-.008L4.447 8.792v10.874c0 .574.41.984.985.984h13.125c.575 0 .985-.41.985-.984V8.796Zm-10.42 8.932c.214.205.493.32.772.32l-.008.017c.115 0 .221-.025.336-.058.033-.008.098-.04.098-.04l1.69-.895 1.592.82c.23.156.484.156.574.156.509 0 .927-.443.927-.984 0-.041-.008-.123-.008-.123l-.345-1.822 1.321-1.32a.956.956 0 0 0 .336-.583.887.887 0 0 0-.237-.779c-.083-.082-.288-.287-.632-.304l-1.846-.246-.796-1.6c-.065-.295-.303-.492-.746-.598-.05-.017-.099-.017-.156-.017h-.221c-.173 0-.394.123-.517.247l-.107.106a.655.655 0 0 0-.123.172l-.845 1.69-1.83.246a.622.622 0 0 0-.311.132.756.756 0 0 0-.23.164.975.975 0 0 0-.27.68c0 .255.098.51.278.69l1.362 1.312-.295 1.83c-.008.032-.008.073-.008.106 0 .148 0 .435.246.681Zm1.395-2.707c0-.36-.123-.632-.36-.796v.008l-.928-.894 1.288-.172c.386-.024.698-.27.788-.607l.632-1.263.672 1.337c.205.402.517.508.755.525l1.304.172-.951.952a1.072 1.072 0 0 0-.296.861l.247 1.288-1.223-.632c-.312-.164-.664-.147-.919.033l-1.238.657.221-1.362c.008-.033.008-.074.008-.107Z" class="icon-base"/></svg></span> <div> Rates refreshed as of Nov 2024</div> </div> <a class="type-body-two text-blue font-bold md:align-self-center hover:underline hover:text-blue-mid no-underline" href="#methodology"> Read our full methodology </a> </div> </div> <div class="bankrate-insight"> <div class="border-l-4 border-blue bg-white p-8 h-full display-flex flex-direction-column sm:flex-direction-row box-shadow-1 rounded-md"> <div class="Icon flex-shrink-0 Icon--md mb-6 mx-auto sm:mr-8"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Lightbulb Icon</title><path d="M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z" class="icon-base"/></svg></div> <div class="flex-grow"> <h4 class="mt-0 mb-4 max-w text-center sm:text-left"> Bankrate’s take: Check your dwelling coverage limit before your policy renews </h4> <div class="type-body-one text-slate text-center sm:text-left mb-0-last-child"> <div class="wysiwyg display-block w-full"> <p>The amount of dwelling coverage you need may change from year to year. In a high-inflation environment, the cost of construction materials usually becomes more expensive. You could find that your dwelling coverage limit is not enough to fully rebuild your home when you account for the newer, higher cost of rebuild materials. You can consult with a licensed agent when your policy comes up for renewal to ensure you are fully protected. Depending on your insurance company, it could be more cost-effective to add an inflation guard or extended dwelling endorsement to your policy in lieu of raising your coverage limits.</p></div> </div> </div> </div> </div> </div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" id="Credit tier"> <div class="wysiwyg display-block w-full"> <h3>Average home insurance cost by credit tier</h3> <p>In most states, your credit history could be used as an insurance rating factor. Depending on where you live, home insurance companies will generally review your credit history when you apply for a quote. This is because credit can be an indicator of risk — insurance actuarial data show that those with lower credit scores tend to file more claims compared to those with higher credit scores. As a result, <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/bad-credit/">home insurance for people with bad credit</a> is generally more expensive compared to those with average, good and excellent credit. If you own your home with a partner, their credit history may also impact your rates.</p> <p>Not all states factor in credit, however. California, Hawaii, Maryland and Massachusetts do not allow the use of credit for insurance rating purposes.</p></div> <div class="insurance-coverage-table mb-6 md:mb-8" id="vO4Uauprqi" style="overflow-y: auto" tabindex="0" x-data="insuranceCoverageTable( 'vO4Uauprqi', '', '5', false)"> <div id="table-vO4Uauprqi"> <table class="mb-2 Table insurance-coverage-table-vO4Uauprqi"> <thead class="display-none sm:display-table-header-group"> <tr class="border-b border-gray"> <th class="p-2 font-bold text-left profile-column md:w-48"> <div class="insurance-coverage-table--sort-container-vO4Uauprqi display-flex"> <button class="display-inline-flex Button Button--bare" @click="sortColumn('url', 0)"> <span class="display-inline-flex type-body-two text-black font-circular-bold">Credit Type</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> <th class="p-2 font-bold md:w-48"> <div class="insurance-coverage-table--sort-container-vO4Uauprqi display-flex"> <button class="display-inline-flex Button Button--bare" @click="sortColumn('money', 1)"> <span class="display-inline-flex type-body-two text-black font-circular-bold">Average annual rate for $300,000 coverage</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> </tr> </thead> <tbody class="display-flex flex-direction-column border-t pt-4 sm:display-table-header-group sm:border-t-0 sm:pt-0"> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <span class="insurance-coverage-table--td display-block text-black"> Poor Credit</span> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual rate for $300,000 coverage</div> <div class="insurance-coverage-table--td text-black"> $3,887</div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <span class="insurance-coverage-table--td display-block text-black"> Average Credit</span> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual rate for $300,000 coverage</div> <div class="insurance-coverage-table--td text-black"> $2,484</div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <span class="insurance-coverage-table--td display-block text-black"> Good Credit</span> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual rate for $300,000 coverage</div> <div class="insurance-coverage-table--td text-black"> $2,304</div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <span class="insurance-coverage-table--td display-block text-black"> Excellent Credit</span> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual rate for $300,000 coverage</div> <div class="insurance-coverage-table--td text-black"> $2,016</div> </div> </td> </tr> </tbody> </table> </div> </div> <div class="insurance-rates-footer my-4 md:mb-6"> <div class="type-body-two text-slate pb-4"> Home insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.</div> <div class="display-flex flex-direction-column md:flex-direction-row md:justify-content-space-between"> <div class="display-flex bg-blue-light py-3 pl-6 pr-10 rounded-r-full type-body-two text-black font-bold mb-4 md:mb-0 max-w-max"> <span class="Icon mr-3 icon-highlight-blue w-5 h-5"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Mortgage Reviews Icon</title><path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M21.436 10.289c.115.09.263.139.402.139v-.008a.652.652 0 0 0 .517-.246.646.646 0 0 0-.107-.92l-3.42-2.695V4.3a.658.658 0 0 0-.657-.656.658.658 0 0 0-.656.656v1.225l-3.511-2.767c-1.181-.96-2.888-.96-4.052 0L1.748 9.263a.652.652 0 0 0-.107.919.652.652 0 0 0 .92.107l.574-.456v9.833a2.273 2.273 0 0 0 2.297 2.297h13.125a2.273 2.273 0 0 0 2.297-2.297V9.83l.582.459Zm-1.894-1.492-6.367-5.014a1.882 1.882 0 0 0-2.403-.008L4.447 8.792v10.874c0 .574.41.984.985.984h13.125c.575 0 .985-.41.985-.984V8.796Zm-10.42 8.932c.214.205.493.32.772.32l-.008.017c.115 0 .221-.025.336-.058.033-.008.098-.04.098-.04l1.69-.895 1.592.82c.23.156.484.156.574.156.509 0 .927-.443.927-.984 0-.041-.008-.123-.008-.123l-.345-1.822 1.321-1.32a.956.956 0 0 0 .336-.583.887.887 0 0 0-.237-.779c-.083-.082-.288-.287-.632-.304l-1.846-.246-.796-1.6c-.065-.295-.303-.492-.746-.598-.05-.017-.099-.017-.156-.017h-.221c-.173 0-.394.123-.517.247l-.107.106a.655.655 0 0 0-.123.172l-.845 1.69-1.83.246a.622.622 0 0 0-.311.132.756.756 0 0 0-.23.164.975.975 0 0 0-.27.68c0 .255.098.51.278.69l1.362 1.312-.295 1.83c-.008.032-.008.073-.008.106 0 .148 0 .435.246.681Zm1.395-2.707c0-.36-.123-.632-.36-.796v.008l-.928-.894 1.288-.172c.386-.024.698-.27.788-.607l.632-1.263.672 1.337c.205.402.517.508.755.525l1.304.172-.951.952a1.072 1.072 0 0 0-.296.861l.247 1.288-1.223-.632c-.312-.164-.664-.147-.919.033l-1.238.657.221-1.362c.008-.033.008-.074.008-.107Z" class="icon-base"/></svg></span> <div> Rates refreshed as of Nov 2024</div> </div> <a class="type-body-two text-blue font-bold md:align-self-center hover:underline hover:text-blue-mid no-underline" href="#methodology"> Read our full methodology </a> </div> </div> <div class="bankrate-insight"> <div class="border-l-4 border-blue bg-white p-8 h-full display-flex flex-direction-column sm:flex-direction-row box-shadow-1 rounded-md"> <div class="Icon flex-shrink-0 Icon--md mb-6 mx-auto sm:mr-8"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Lightbulb Icon</title><path d="M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z" class="icon-base"/></svg></div> <div class="flex-grow"> <h3 class="mt-0 mb-4 max-w text-center sm:text-left"> Does marital status impact home insurance rates? </h3> <div class="type-body-one text-slate text-center sm:text-left mb-0-last-child"> <div class="wysiwyg display-block w-full"> <p>For both home and auto insurance, carriers usually place shoppers who are married or in a recognized domestic partnership in a lower-risk group. This is because married couples tend to file fewer claims. Therefore, may receive slightly lower premiums. </p> <p>However, if your spouse has other personal rating factors that may negatively impact your rates, like a poor credit history, owning and insuring a home together may increase your premium. If homeowners divorce and update their policies, their insurance rates may change for several reasons, including individual rating factors and the change in marital status itself. If the change in marital status impacts the premium, you likely won’t see any changes until your policy renews.</p></div> </div> </div> </div> </div> </div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" id="Claims history"> <div class="wysiwyg display-block w-full"> <h3>Average home insurance cost by claims history</h3> <p>Damaging events can happen to even the most responsible homeowner. If your home was damaged by an event covered by your policy, like wind, fire or theft, or someone sues you for injuries sustained at your residence, your home insurance policy could step in to cover the damages. However, a surcharge could be added to your policy at renewal.</p></div> <div x-data="table({ containerId: 'b39ee6f9-6c57-48b6-8ae8-eca44f45ddd6', tableId: 'table-b39ee6f9-6c57-48b6-8ae8-eca44f45ddd6', buttonId: 'button-b39ee6f9-6c57-48b6-8ae8-eca44f45ddd6', rowsToShow: 0, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="b39ee6f9-6c57-48b6-8ae8-eca44f45ddd6" class="table-container" tabindex="0"> <table id="table-b39ee6f9-6c57-48b6-8ae8-eca44f45ddd6" class="Table table-content "> <thead> <tr> <th class="text-left"> Type of claim</th> <th class="text-right"> Average dollar amount of claim paid out*</th> <th class="text-right"> Average annual rate after a claim</th> </tr> </thead> <tbody> <tr id="6e78ea11-148a-44b1-871a-5552021f4289" class=""> <td data-col="1" class="text-left"> Wind</td> <td data-col="2" class="text-right"> $12,913</td> <td data-col="3" class="text-right"> $2,404</td> </tr> <tr id="ac88c3ed-af88-4b4a-b462-435f8200f5ff" class=""> <td data-col="1" class="text-left"> Liability</td> <td data-col="2" class="text-right"> $25,323</td> <td data-col="3" class="text-right"> $2,423</td> </tr> <tr id="f24013f4-9b50-4291-bcaf-1052805e3e4c" class=""> <td data-col="1" class="text-left"> Theft</td> <td data-col="2" class="text-right"> $4,646</td> <td data-col="3" class="text-right"> $2,435</td> </tr> <tr id="c154fca8-8141-48b1-aca7-6ac2410e2c4b" class=""> <td data-col="1" class="text-left"> Fire</td> <td data-col="2" class="text-right"> $83,519</td> <td data-col="3" class="text-right"> $2,429</td> </tr> </tbody> </table> <table id="header-fixed-b39ee6f9-6c57-48b6-8ae8-eca44f45ddd6" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> <div class="wysiwyg display-block w-full"> <div> <div><em>*Based on the Insurance Information Institute’s (Triple-I) estimates of <a class="Link" href="https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance" target="_blank" rel="noopener">average home claim payouts</a>. Average rates based on a claim filed on a home insurance policy with $300,000 in dwelling coverage.</em></div> </div></div></div> </div> <div class="insurance-rates-footer my-4 md:mb-6"> <div class="type-body-two text-slate pb-4"> Home insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.</div> <div class="display-flex flex-direction-column md:flex-direction-row md:justify-content-space-between"> <div class="display-flex bg-blue-light py-3 pl-6 pr-10 rounded-r-full type-body-two text-black font-bold mb-4 md:mb-0 max-w-max"> <span class="Icon mr-3 icon-highlight-blue w-5 h-5"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Mortgage Reviews Icon</title><path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M21.436 10.289c.115.09.263.139.402.139v-.008a.652.652 0 0 0 .517-.246.646.646 0 0 0-.107-.92l-3.42-2.695V4.3a.658.658 0 0 0-.657-.656.658.658 0 0 0-.656.656v1.225l-3.511-2.767c-1.181-.96-2.888-.96-4.052 0L1.748 9.263a.652.652 0 0 0-.107.919.652.652 0 0 0 .92.107l.574-.456v9.833a2.273 2.273 0 0 0 2.297 2.297h13.125a2.273 2.273 0 0 0 2.297-2.297V9.83l.582.459Zm-1.894-1.492-6.367-5.014a1.882 1.882 0 0 0-2.403-.008L4.447 8.792v10.874c0 .574.41.984.985.984h13.125c.575 0 .985-.41.985-.984V8.796Zm-10.42 8.932c.214.205.493.32.772.32l-.008.017c.115 0 .221-.025.336-.058.033-.008.098-.04.098-.04l1.69-.895 1.592.82c.23.156.484.156.574.156.509 0 .927-.443.927-.984 0-.041-.008-.123-.008-.123l-.345-1.822 1.321-1.32a.956.956 0 0 0 .336-.583.887.887 0 0 0-.237-.779c-.083-.082-.288-.287-.632-.304l-1.846-.246-.796-1.6c-.065-.295-.303-.492-.746-.598-.05-.017-.099-.017-.156-.017h-.221c-.173 0-.394.123-.517.247l-.107.106a.655.655 0 0 0-.123.172l-.845 1.69-1.83.246a.622.622 0 0 0-.311.132.756.756 0 0 0-.23.164.975.975 0 0 0-.27.68c0 .255.098.51.278.69l1.362 1.312-.295 1.83c-.008.032-.008.073-.008.106 0 .148 0 .435.246.681Zm1.395-2.707c0-.36-.123-.632-.36-.796v.008l-.928-.894 1.288-.172c.386-.024.698-.27.788-.607l.632-1.263.672 1.337c.205.402.517.508.755.525l1.304.172-.951.952a1.072 1.072 0 0 0-.296.861l.247 1.288-1.223-.632c-.312-.164-.664-.147-.919.033l-1.238.657.221-1.362c.008-.033.008-.074.008-.107Z" class="icon-base"/></svg></span> <div> Rates refreshed as of Nov 2024</div> </div> <a class="type-body-two text-blue font-bold md:align-self-center hover:underline hover:text-blue-mid no-underline" href="#methodology"> Read our full methodology </a> </div> </div> <div class="bankrate-insight"> <div class="border-l-4 border-blue bg-white p-8 h-full display-flex flex-direction-column sm:flex-direction-row box-shadow-1 rounded-md"> <div class="Icon flex-shrink-0 Icon--md mb-6 mx-auto sm:mr-8"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Lightbulb Icon</title><path d="M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z" class="icon-base"/></svg></div> <div class="flex-grow"> <h4 class="mt-0 mb-4 max-w text-center sm:text-left"> Why claims prior owners filed matter </h4> <div class="type-body-one text-slate text-center sm:text-left mb-0-last-child"> <div class="wysiwyg display-block w-full"> <p>A <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/clue-report/">Comprehensive Loss Underwriting Exchange</a>, or CLUE, report can tell you about claims filed by previous owners of your home. Knowing that your guest room sink is prone to leaking or that your backyard shed has been broken into can help you stay one step ahead of potential claims-causing incidents.</p></div> </div> </div> </div> </div> </div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" id="Deductible amount"> <div class="wysiwyg display-block w-full"> <h3>Average home insurance cost by deductible amount</h3> <p>Your <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/home-insurance-deductible/">deductible</a> is another factor that can impact the cost of your home insurance. Generally, the higher your deductible, the lower your rate. When you set a high deductible, you take on more of the risk that would otherwise be transferred to your homeowners insurance company. In turn, your carrier will usually offer you a cheaper premium.</p> <p>A high deductible usually means higher out-of-pocket expenses in the event of a covered claim, so choosing a deductible you can comfortably pay with no warning is essential. While selecting a high deductible can be a valid cost-saving measure for some homeowners, others might experience financial hardship if they need to file a claim and can’t afford their deductible. Additionally, your lender may issue maximum deductible limits under the terms of your loan.</p> <p>To provide a baseline, below you’ll find average rates for some of the most common home insurance deductible amounts:</p></div> <div class="insurance-coverage-table mb-6 md:mb-8" id="SZoVZIR1dl" style="overflow-y: auto" tabindex="0" x-data="insuranceCoverageTable( 'SZoVZIR1dl', '', '5', false)"> <div id="table-SZoVZIR1dl"> <table class="mb-2 Table insurance-coverage-table-SZoVZIR1dl"> <thead class="display-none sm:display-table-header-group"> <tr class="border-b border-gray"> <th class="p-2 font-bold text-left profile-column md:w-48"> <div class="insurance-coverage-table--sort-container-SZoVZIR1dl display-flex"> <button class="display-inline-flex Button Button--bare" @click="sortColumn('url', 0)"> <span class="display-inline-flex type-body-two text-black font-circular-bold">Deductible amount</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> <th class="p-2 font-bold md:w-48"> <div class="insurance-coverage-table--sort-container-SZoVZIR1dl display-flex"> <button class="display-inline-flex Button Button--bare" @click="sortColumn('money', 1)"> <span class="display-inline-flex type-body-two text-black font-circular-bold">Average annual rate for $300,000 in dwelling coverage</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> </tr> </thead> <tbody class="display-flex flex-direction-column border-t pt-4 sm:display-table-header-group sm:border-t-0 sm:pt-0"> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <span class="insurance-coverage-table--td display-block text-black"> $1,500</span> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual rate for $300,000 in dwelling coverage</div> <div class="insurance-coverage-table--td text-black"> $2,247</div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <span class="insurance-coverage-table--td display-block text-black"> $2,000</span> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual rate for $300,000 in dwelling coverage</div> <div class="insurance-coverage-table--td text-black"> $2,111</div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <span class="insurance-coverage-table--td display-block text-black"> $5,000</span> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual rate for $300,000 in dwelling coverage</div> <div class="insurance-coverage-table--td text-black"> $1,887</div> </div> </td> </tr> </tbody> </table> </div> </div> <div class="insurance-rates-footer my-4 md:mb-6"> <div class="type-body-two text-slate pb-4"> Home insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.</div> <div class="display-flex flex-direction-column md:flex-direction-row md:justify-content-space-between"> <div class="display-flex bg-blue-light py-3 pl-6 pr-10 rounded-r-full type-body-two text-black font-bold mb-4 md:mb-0 max-w-max"> <span class="Icon mr-3 icon-highlight-blue w-5 h-5"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Mortgage Reviews Icon</title><path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M21.436 10.289c.115.09.263.139.402.139v-.008a.652.652 0 0 0 .517-.246.646.646 0 0 0-.107-.92l-3.42-2.695V4.3a.658.658 0 0 0-.657-.656.658.658 0 0 0-.656.656v1.225l-3.511-2.767c-1.181-.96-2.888-.96-4.052 0L1.748 9.263a.652.652 0 0 0-.107.919.652.652 0 0 0 .92.107l.574-.456v9.833a2.273 2.273 0 0 0 2.297 2.297h13.125a2.273 2.273 0 0 0 2.297-2.297V9.83l.582.459Zm-1.894-1.492-6.367-5.014a1.882 1.882 0 0 0-2.403-.008L4.447 8.792v10.874c0 .574.41.984.985.984h13.125c.575 0 .985-.41.985-.984V8.796Zm-10.42 8.932c.214.205.493.32.772.32l-.008.017c.115 0 .221-.025.336-.058.033-.008.098-.04.098-.04l1.69-.895 1.592.82c.23.156.484.156.574.156.509 0 .927-.443.927-.984 0-.041-.008-.123-.008-.123l-.345-1.822 1.321-1.32a.956.956 0 0 0 .336-.583.887.887 0 0 0-.237-.779c-.083-.082-.288-.287-.632-.304l-1.846-.246-.796-1.6c-.065-.295-.303-.492-.746-.598-.05-.017-.099-.017-.156-.017h-.221c-.173 0-.394.123-.517.247l-.107.106a.655.655 0 0 0-.123.172l-.845 1.69-1.83.246a.622.622 0 0 0-.311.132.756.756 0 0 0-.23.164.975.975 0 0 0-.27.68c0 .255.098.51.278.69l1.362 1.312-.295 1.83c-.008.032-.008.073-.008.106 0 .148 0 .435.246.681Zm1.395-2.707c0-.36-.123-.632-.36-.796v.008l-.928-.894 1.288-.172c.386-.024.698-.27.788-.607l.632-1.263.672 1.337c.205.402.517.508.755.525l1.304.172-.951.952a1.072 1.072 0 0 0-.296.861l.247 1.288-1.223-.632c-.312-.164-.664-.147-.919.033l-1.238.657.221-1.362c.008-.033.008-.074.008-.107Z" class="icon-base"/></svg></span> <div> Rates refreshed as of Nov 2024</div> </div> <a class="type-body-two text-blue font-bold md:align-self-center hover:underline hover:text-blue-mid no-underline" href="#methodology"> Read our full methodology </a> </div> </div> </div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" id="Home age"> <div class="wysiwyg display-block w-full"> <h3>Average home insurance cost by home age</h3> <p>The age of your home is also a factor that home insurance companies consider when determining your premium. Older homes might be more expensive to build back after a loss, especially if you need to bring them up to modern safety and building codes. Plus, an older home is more likely to be built with harder-to-source materials, which can also make repairs more expensive. Below is a look at how much an average home insurance policy might cost depending on the age of a home.</p></div> <div class="insurance-coverage-table mb-6 md:mb-8" id="m3EWj0JzEq" style="overflow-y: auto" tabindex="0" x-data="insuranceCoverageTable( 'm3EWj0JzEq', '', '5', false)"> <div id="table-m3EWj0JzEq"> <table class="mb-2 Table insurance-coverage-table-m3EWj0JzEq"> <thead class="display-none sm:display-table-header-group"> <tr class="border-b border-gray"> <th class="p-2 font-bold text-left profile-column md:w-48"> <div class="insurance-coverage-table--sort-container-m3EWj0JzEq display-flex"> <button class="display-inline-flex Button Button--bare" @click="sortColumn('url', 0)"> <span class="display-inline-flex type-body-two text-black font-circular-bold">Date home was built</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> <th class="p-2 font-bold md:w-48"> <div class="insurance-coverage-table--sort-container-m3EWj0JzEq display-flex"> <button class="display-inline-flex Button Button--bare" @click="sortColumn('money', 1)"> <span class="display-inline-flex type-body-two text-black font-circular-bold">Average annual rate</span> <div class="display-flex flex-direction-column justify-content-center ml-2"> <div class="col-span-1 -mt-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-asc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow ascending</span> </div> <div class="col-span-1 -mb-2"> <svg class="display-inline-flex text-gray hover:text-blue" width="18" height="18" data-sort="tableColumn-desc" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><span class="visually-hidden">Sort arrow descending</span> </div> </div> </button> </div> </th> </tr> </thead> <tbody class="display-flex flex-direction-column border-t pt-4 sm:display-table-header-group sm:border-t-0 sm:pt-0"> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <span class="insurance-coverage-table--td display-block text-black"> 1959</span> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual rate</div> <div class="insurance-coverage-table--td text-black"> $2,884</div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <span class="insurance-coverage-table--td display-block text-black"> 1982</span> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual rate</div> <div class="insurance-coverage-table--td text-black"> $2,911</div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <span class="insurance-coverage-table--td display-block text-black"> 1992</span> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual rate</div> <div class="insurance-coverage-table--td text-black"> $2,916</div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <span class="insurance-coverage-table--td display-block text-black"> 2010</span> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual rate</div> <div class="insurance-coverage-table--td text-black"> $2,626</div> </div> </td> </tr> <tr class="display-flex flex-direction-column border-b border-gray mb-3 sm:display-table-row"> <td class="px-2 text-left insurance-coverage-table-td px-3 rounded"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <span class="insurance-coverage-table--td display-block text-black"> 2020</span> </div> </td> <td class="px-2 text-right"> <div class="display-flex flex-direction-row justify-content-space-between sm:display-block"> <div class="text-slate text-left sm:display-none w-48"> Average annual rate</div> <div class="insurance-coverage-table--td text-black"> $2,013</div> </div> </td> </tr> </tbody> </table> </div> <div class="w-full text-right text-slate type-body-three mt-1"> *Rates are for $300,000 in dwelling coverage.</div> </div> <div class="insurance-rates-footer my-4 md:mb-6"> <div class="type-body-two text-slate pb-4"> Home insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.</div> <div class="display-flex flex-direction-column md:flex-direction-row md:justify-content-space-between"> <div class="display-flex bg-blue-light py-3 pl-6 pr-10 rounded-r-full type-body-two text-black font-bold mb-4 md:mb-0 max-w-max"> <span class="Icon mr-3 icon-highlight-blue w-5 h-5"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Mortgage Reviews Icon</title><path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M21.436 10.289c.115.09.263.139.402.139v-.008a.652.652 0 0 0 .517-.246.646.646 0 0 0-.107-.92l-3.42-2.695V4.3a.658.658 0 0 0-.657-.656.658.658 0 0 0-.656.656v1.225l-3.511-2.767c-1.181-.96-2.888-.96-4.052 0L1.748 9.263a.652.652 0 0 0-.107.919.652.652 0 0 0 .92.107l.574-.456v9.833a2.273 2.273 0 0 0 2.297 2.297h13.125a2.273 2.273 0 0 0 2.297-2.297V9.83l.582.459Zm-1.894-1.492-6.367-5.014a1.882 1.882 0 0 0-2.403-.008L4.447 8.792v10.874c0 .574.41.984.985.984h13.125c.575 0 .985-.41.985-.984V8.796Zm-10.42 8.932c.214.205.493.32.772.32l-.008.017c.115 0 .221-.025.336-.058.033-.008.098-.04.098-.04l1.69-.895 1.592.82c.23.156.484.156.574.156.509 0 .927-.443.927-.984 0-.041-.008-.123-.008-.123l-.345-1.822 1.321-1.32a.956.956 0 0 0 .336-.583.887.887 0 0 0-.237-.779c-.083-.082-.288-.287-.632-.304l-1.846-.246-.796-1.6c-.065-.295-.303-.492-.746-.598-.05-.017-.099-.017-.156-.017h-.221c-.173 0-.394.123-.517.247l-.107.106a.655.655 0 0 0-.123.172l-.845 1.69-1.83.246a.622.622 0 0 0-.311.132.756.756 0 0 0-.23.164.975.975 0 0 0-.27.68c0 .255.098.51.278.69l1.362 1.312-.295 1.83c-.008.032-.008.073-.008.106 0 .148 0 .435.246.681Zm1.395-2.707c0-.36-.123-.632-.36-.796v.008l-.928-.894 1.288-.172c.386-.024.698-.27.788-.607l.632-1.263.672 1.337c.205.402.517.508.755.525l1.304.172-.951.952a1.072 1.072 0 0 0-.296.861l.247 1.288-1.223-.632c-.312-.164-.664-.147-.919.033l-1.238.657.221-1.362c.008-.033.008-.074.008-.107Z" class="icon-base"/></svg></span> <div> Rates refreshed as of Nov 2024</div> </div> <a class="type-body-two text-blue font-bold md:align-self-center hover:underline hover:text-blue-mid no-underline" href="#methodology"> Read our full methodology </a> </div> </div> </div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" id="Home characteristics"> <div class="wysiwyg display-block w-full"> <h3>Average home insurance cost by home characteristics</h3> <p>Every home is different, which means insurance companies rate each home on a case-by-case basis. Your home’s specific characteristics will play a role in determining your homeowners insurance costs.</p> <ul> <li><strong>Roof condition</strong>: The age and condition of a <a class="Link" href="https://www.bankrate.com/homeownership/cost-to-replace-roof/">home's roof</a> impact the cost of home insurance rates. Insurance companies can charge more for a home with an older roof since it is more susceptible to windstorms and hail damage than a newer one. Some providers have age restrictions and only offer insurance to homeowners with roofs under a certain age, usually between 15 and 20 years old or newer. Roofs beyond 20 years old can typically qualify for actual cash value coverage, which is more affordable but has a lower claim payout.</li> <li><strong>Construction </strong><strong>materials</strong>: Roofs and exterior walls constructed of materials with higher fire ratings or are more wind resistant, like metal roofs or brick structures, may qualify the policy for additional discounts. On the other hand, special features, like a cedar shingle roof, marble tile or antique woodwork can have higher replacement value due to the cost of materials, availability and the skilled labor needed for repairs.</li> <li><strong>Increased liability concerns</strong>: Attractive nuances features like <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/pools-insurance/">swimming pools</a>, trampolines and even playground equipment can increase your liability as a homeowner. If you have any of these features, your insurance company can raise your rate to account for the additional risk and require additional safety measures, such as a fence with a lock. Certain <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/dog-breed-restrictions/">dog breeds</a> can also be a liability risk that results in a higher premium. Some insurance providers require dogs to complete a certified training course to lower the risk of a dog bite lawsuit.</li> </ul></div> </div> </div> </div> </div> </div> <div id="estimate-cost-of-home-insurance" class="SectionWithTocItem " data-beam-element-viewed id="estimate-cost-of-home-insurance" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="How to estimate the cost of home insurance" data-position="5" data-text="" > <div class="wysiwyg display-block w-full"> <h2>How to estimate the cost of insurance</h2> <p>Ultimately, the goal of home insurance is to restore your home and property to a pre-loss state. The best way to <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/estimate-home-insurance/">estimate your home insurance cost</a> is by getting an accurate account of how much coverage you need in the event of a total loss and evaluating your level of risk. To calculate how much coverage you need, you will need the following information:</p> <ul> <li>The <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/rcv-vs-acv/">replacement cost value (RCV)</a> of your home</li> <li>The replacement cost of any detached structures on your property, such as sheds, fences and garages</li> <li>The cost to replace your personal property, including any items not permanently attached to your home (e.g., clothing, furniture, appliances, electronics and so on. Creating a <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/creating-home-inventory/">home inventory</a> can help with this.</li> </ul> <p>Next, consider other risks like liability concerns or potential physical hazards. Reviewing coverage concerns with your agent, along with estimates of the values noted above, will help an insurer produce a more accurate estimate for you when requesting quotes.</p></div> <div class="bankrate-insight"> <div class="border-l-4 border-blue bg-white p-8 h-full display-flex flex-direction-column sm:flex-direction-row box-shadow-1 rounded-md"> <div class="Icon flex-shrink-0 Icon--md mb-6 mx-auto sm:mr-8"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Lightbulb Icon</title><path d="M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z" class="icon-base"/></svg></div> <div class="flex-grow"> <h3 class="mt-0 mb-4 max-w text-center sm:text-left"> Keep in mind </h3> <div class="type-body-one text-slate text-center sm:text-left mb-0-last-child"> <div class="wysiwyg display-block w-full"> <p>Here are some talking points you can keep in mind when speaking with your agent. Having specific questions ready ahead of time will help your agent quickly identify the appropriate endorsements and liability limits. </p> <ul> <li>Do you have a dog?</li> <li>Do you have a swimming pool, trampoline or any other attractive nuisance on your property?</li> <li>Do you frequently entertain guests in your home?</li> <li>Do you have a home-based business?</li> <li>Do you have any personal items or collections that need special coverage, such as jewelry, art, furs or valuable stamps?</li> <li>Do you live in a moderate- to high-risk area prone to floods, earthquakes or wildfires?</li> <li>Have you upgraded or replaced your roof recently?</li> </ul></div> </div> </div> </div> </div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <div class="article-card-list"> <h2 class="border-gray border-solid border-b pb-4 mb-6"> Learn more about home insurance costs: </h2> <div class="display-grid grid-cols-1 sm:grid-cols-2 md:grid-cols-3 gap-6"> <div data-beam-element-clicked id="article-card-list-slide-1" data-type="link" data-location="bottom" data-name="article card list slide What does homeowners insurance cover?" data-position="1" data-text="What does homeowners insurance cover?" data-outcome="internallink" > <div class="ArticleSeriesCard Card flex-direction-row align-items-center rounded-none border-b"> <div class="ArticleSeriesCard__ImageContainer"> <img loading="lazy" src="https://www.bankrate.com/f/102997/912x513/8611d77ec3/insurance_what-does-homeowners-insurance-cover_.webp?auto=webp&fit=crop&width=85&height=74&enable=upscale" alt=""> </div> <div class="w-full p-3"> <h3 class="ArticleSeriesCard-title type-heading-four m-0"> <a href="https://www.bankrate.com/insurance/homeowners-insurance/what-does-homeowners-insurance-cover/" class="Card-link text-black" > What does homeowners insurance cover?<span class="type-body-three font-bold text-slate uppercase display-block pt-2"> <span class="is-visited display-none">Previously Read</span> <span class="is-unvisited"></span> </span> </a> </h3> </div> </div> </div> <div data-beam-element-clicked id="article-card-list-slide-2" data-type="link" data-location="bottom" data-name="article card list slide How to save on homeowners insurance" data-position="2" data-text="How to save on homeowners insurance" data-outcome="internallink" > <div class="ArticleSeriesCard Card flex-direction-row align-items-center rounded-none border-b"> <div class="ArticleSeriesCard__ImageContainer"> <img loading="lazy" src="https://www.bankrate.com/f/102997/912x513/2efeb86adb/insurance_how_to_save_on_homeowners_insurance.webp?auto=webp&fit=crop&width=85&height=74&enable=upscale" alt=""> </div> <div class="w-full p-3"> <h3 class="ArticleSeriesCard-title type-heading-four m-0"> <a href="https://www.bankrate.com/insurance/homeowners-insurance/keep-home-insurance-cost-down/" class="Card-link text-black" > How to save on homeowners insurance<span class="type-body-three font-bold text-slate uppercase display-block pt-2"> <span class="is-visited display-none">Previously Read</span> <span class="is-unvisited"></span> </span> </a> </h3> </div> </div> </div> <div data-beam-element-clicked id="article-card-list-slide-3" data-type="link" data-location="bottom" data-name="article card list slide How to estimate your home insurance cost" data-position="3" data-text="How to estimate your home insurance cost" data-outcome="internallink" > <div class="ArticleSeriesCard Card flex-direction-row align-items-center rounded-none border-b"> <div class="ArticleSeriesCard__ImageContainer"> <img loading="lazy" src="https://www.bankrate.com/f/102997/912x513/c5b7e1a4ea/how-to-calculate-home-insurance.webp?auto=webp&fit=crop&width=85&height=74&enable=upscale" alt=""> </div> <div class="w-full p-3"> <h3 class="ArticleSeriesCard-title type-heading-four m-0"> <a href="https://www.bankrate.com/insurance/homeowners-insurance/estimate-home-insurance/" class="Card-link text-black" > How to estimate your home insurance cost<span class="type-body-three font-bold text-slate uppercase display-block pt-2"> <span class="is-visited display-none">Previously Read</span> <span class="is-unvisited"></span> </span> </a> </h3> </div> </div> </div> </div> </div> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> </div> <div id="home-insurance-industry-trends" class="SectionWithTocItem " data-beam-element-viewed id="home-insurance-industry-trends" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="Home insurance industry trends" data-position="6" data-text="" > <div class="wysiwyg display-inline"> <h2>Home insurance industry trends</h2> <p>Generally, home and auto insurance premiums have been increasing post-pandemic, partly due to inflation. As building material prices and labor costs <a class="Link" href="https://www.us.jll.com/en/newsroom/us-and-canada-construction-industry-poised-for-growth" target="_blank" rel="noopener">continue to rise</a>, home insurance carriers must raise premiums to cover increased claims expenses.</p> <p>Also, according to Triple-I, the effects of climate change may <a class="Link" href="https://www.iii.org/article/background-on-climate-change-and-insurance-issues" target="_blank" rel="noopener">directly impact home insurance costs</a>. Damage from wildfires, tornadoes, hurricanes and floods costs more each year, causing some insurance companies to limit their coverage in high-risk areas or <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/rising-cost-extreme-weather/">raise rates</a>. The <a class="Link" href="https://www.ncei.noaa.gov/access/billions/" target="_blank" rel="noopener">National Centers for Environmental Information</a> recorded 60 natural disasters over the past three years that caused over $1 billion in damage each. After adjusting for inflation, damage from billion-dollar disasters from the past three years averages out to $149.2 billion per year.</p></div> <div class="bg-gray-light px-6 md:px-8 py-8"> <div class="quick-fact display-flex flex-direction-row align-items-center md:align-items-flex-start gap-5"> <span class="Card-icon "> <svg class="Icon Icon--nm" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Invest Rate Icon</title><path d="M5.768 5.5C4.795 5.5 4 6.255 4 7.184v11.732c0 .93.795 1.684 1.768 1.684h16.464c.973 0 1.768-.755 1.768-1.684V7.184c0-.93-.795-1.684-1.768-1.684H5.768Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M1.5 16.386a3.004 3.004 0 0 0 3.002 3.002c.381 0 .693-.311.693-.692a.694.694 0 0 0-.693-.692 1.621 1.621 0 0 1-1.618-1.618V6.002c0-.89.727-1.618 1.618-1.618h14.995c.892 0 1.619.727 1.619 1.618v5.192c0 .38.311.692.692.692.38 0 .692-.311.692-.692V6.002A3.01 3.01 0 0 0 19.497 3H4.502A3.004 3.004 0 0 0 1.5 6.002v10.384Zm10.505-1.618a.694.694 0 0 1-.693-.692v-.156h-.614a.694.694 0 0 1-.692-.692c0-.38.311-.692.692-.692h1.197a.68.68 0 0 1 .219 0h.47a.32.32 0 1 0 0-.64h-1.16c-.942 0-1.704-.77-1.704-1.705 0-.897.71-1.642 1.592-1.701v-.177c0-.38.312-.692.693-.692.38 0 .692.311.692.692v.173h.614c.38 0 .692.312.692.692 0 .381-.311.693-.692.693h-1.886a.32.32 0 1 0 0 .64h1.16c.942 0 1.704.761 1.704 1.705 0 .905-.702 1.643-1.592 1.7v.16c0 .38-.312.692-.692.692Zm-3.972 6.628a.687.687 0 0 1-.485-1.185l4.024-3.885c.26-.251.666-.26.934-.026l3.366 2.967 4.021-3.954h-1.546a.694.694 0 0 1-.693-.692c0-.38.312-.692.693-.692h3.227c.38 0 .692.311.692.692v3.227c0 .381-.311.693-.692.693a.694.694 0 0 1-.692-.693v-1.566l-4.49 4.422a.694.694 0 0 1-.944.026l-3.366-2.968-3.565 3.444a.702.702 0 0 1-.484.19Z" class="icon-base"/></svg></span> <div> <div class="leading-7 font-circular-bold text-left text-base text-black pb-2">Recent news:</div> <p>Bankrate's insurance editorial team closely tracks news events and industry trends in the insurance market. Here are some of our recent learnings:</p> <ul> <li>Major back-to-back Hurricanes Helene and Milton battered the Southeast in Fall 2024. The Carolinas, Georgia, Florida, Tennessee and Virginia were among the states in the storm’s path. CoreLogic estimated that Helene caused between <a class="Link" href="https://www.corelogic.com/press-releases/corelogic-final-estimated-damages-for-hurricane-helene-to-be-between-30-5-billion-and-47-5-billion/" target="_blank" rel="noopener">$30.5 and $47.5 billion</a> in damage, while Milton caused between <a class="Link" href="https://www.corelogic.com/press-releases/corelogic-hurricane-milton-wind-flood-cause-an-estimated-17b-to-28b-in-insured-losses-after-unusual-landfall-activity/" target="_blank" rel="noopener">$17 and $28 billion</a>. After widespread losses, it’s not unusual for insurance companies to raise rates to make up for claim payouts. Southeast homeowners may experience as much when their home insurance policies renew.</li> <li>Although signs point to cooling inflation, the elevated cost of materials and labor has resulted in rising homeowners insurance rates. While not ideal, these rate increases help companies ensure they have enough money in their claims reserves to pay out higher losses.</li> <li>2024 marked the first time in seven years the <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/florida-home-insurance-recovery/">Florida home insurance market was not in the red</a>. This is partially due to statewide legislative changes and an influx of nine new home insurance companies serving the state.</li> <li>Hurricane risk is causing <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/louisiana-home-insurance-market-struggles/">home insurance struggles for Louisiana homeowners</a> and insurance carriers operating in the state. However, Louisiana passed a bill in early 2023 that resulted in an insurance incentive program. This program could bring more insurers to the state, motivate current Louisiana companies to take on more business and help depopulate the state’s insurer of last resort, Lousiana Citizens.</li> <li>Seven of the 12 largest home insurance companies in California have <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/carriers-exit-california-home-insurance/">limited new policies </a>in the state. State Farm and Allstate have paused writing new home insurance policies altogether, while Farmers has put a cap on the number of new home insurance policies they intend to write in the Golden State. The insurers have cited increased wildfire risk, the expensive reinsurance market and heightened rebuild costs as some primary motivators for the decision. In late 2023, Insurance Commissioner Ricardo Lara announced his Sustainable Insurance Strategy, a multi-pronged approach to incentivize insurers to begin writing policies in the state again, though the plan has been <a class="Link" href="https://consumerwatchdog.org/in-the-news/insurance-business-lara-struggles-to-reform-california-insurance-market/" target="_blank" rel="noopener">met with some resistance</a> from consumer advocacy groups.</li> <li><a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/insurance-crisis/">Bankrate’s research</a> shows that, from 2023 to 2024, Massachusetts, Louisiana, Colorado, Minnesota, Arkansas, Nebraska and Oklahoma had the highest average home insurance premium increases. Louisiana homeowners were hit particularly hard. According to our analysis, the average cost of home insurance in Louisiana for a $300K dwelling policy rose by $612 per year.</li> <li>Excessive <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/third-party-litigation/">third-party litigation funding</a>, where an outside entity provides financial support and legal representation in exchange for a portion of a settlement, has also contributed to higher home insurance rates. This is especially the case in disaster-prone states like Florida and Louisiana, where some more opportunistic groups go after insurance companies under the guise of helping consumers but may actually be looking for a profit. In areas with excessive third-party litigation funding, some insurance companies are forced to raise rates to help recoup their losses after making multiple large settlement payouts.</li> </ul></div> </div> </div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <h2><strong>Industry experts weigh in</strong></h2></div> <div class="BlockQuote pb-8 BlockQuote--bordered display-flex flex-direction-column align-items-center text-center md:text-left md:flex-direction-row gap-3 md:gap-8" > <div class="ImageContainer"> <div class="AuthorAvatar AvatarQuote flex-shrink-0" style="background-image: url(https://www.bankrate.com/f/102997/1707x1709/2397d3608d/kenneth-chavis-headshot.png?width=240&height=240&fit=cover&enable=upscale&crop=1:1,smart)" ></div> </div> <blockquote class="BlockQuote-text text-center md:text-left" > <q>It may be a good time to shop around if you are questioning your premium costs, are unhappy with your insurer’s service or you simply know you may be able to get the same coverage at a lower cost with a different insurer due to a discount like bundling or some other factor.</q> <cite class="PullQuote-cite text-black ml-0 md:ml-4">— Kenneth Chavis IV, Senior wealth advisor at Versant Capital Management</cite> </blockquote> </div> </div> <div id="faqs" class="SectionWithTocItem " data-beam-element-viewed id="faqs" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="Frequently asked questions" data-position="7" data-text="" > <div class="wysiwyg display-inline"> <h2>Frequently asked questions</h2></div> <ul class="Accordion w-full" data-cy="accordion-7f0602b0-dda7-4853-b982-b322189092c9"> <li x-id="['panel-span-classtext-is-home-insurance-cheaper-if-you-pay-monthlyspan', 'heading-span-classtext-is-home-insurance-cheaper-if-you-pay-monthlyspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-is-home-insurance-cheaper-if-you-pay-monthlyspan')" :aria-controls="$id('panel-span-classtext-is-home-insurance-cheaper-if-you-pay-monthlyspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name="Is home insurance cheaper if you pay monthly?" data-position="1" data-text="" data-variant="" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Is home insurance cheaper if you pay monthly?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-is-home-insurance-cheaper-if-you-pay-monthlyspan')" :labelledBy="$id('heading-span-classtext-is-home-insurance-cheaper-if-you-pay-monthlyspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-block w-full"> <p>While this can vary between insurance companies, homeowners insurance can be cheaper when paid in full at the time of purchase and each renewal instead of monthly installments. When insurance payments are broken down into installments, most companies apply monthly service fees ranging from $5 to over $10 more. However, many insurance companies offer paid-in-full discounts and eliminate service fees when the entire amount is paid in full. Keep in mind that if your homeowners insurance is <a class="Link" href="https://www.bankrate.com/real-estate/what-is-mortgage-escrow/#:~:text=Once%20you%20become%20a%20homeowner,must%20manage%20the%20escrow%20account.">escrowed with your mortgage</a>, your insurance is likely being paid in full each year. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-is-home-insurance-cheaper-if-you-pay-monthlyspan')" :labelledBy="$id('heading-span-classtext-is-home-insurance-cheaper-if-you-pay-monthlyspan')" role="region" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-block w-full"> <p>While this can vary between insurance companies, homeowners insurance can be cheaper when paid in full at the time of purchase and each renewal instead of monthly installments. When insurance payments are broken down into installments, most companies apply monthly service fees ranging from $5 to over $10 more. However, many insurance companies offer paid-in-full discounts and eliminate service fees when the entire amount is paid in full. Keep in mind that if your homeowners insurance is <a class="Link" href="https://www.bankrate.com/real-estate/what-is-mortgage-escrow/#:~:text=Once%20you%20become%20a%20homeowner,must%20manage%20the%20escrow%20account.">escrowed with your mortgage</a>, your insurance is likely being paid in full each year. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-why-did-my-home-insurance-go-up', 'heading-why-did-my-home-insurance-go-up']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-why-did-my-home-insurance-go-up')" :aria-controls="$id('panel-why-did-my-home-insurance-go-up')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section " data-name="Why did my home insurance go up?" data-position="2" data-text="" data-outcome="" data-variant="" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Why did my home insurance go up?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-why-did-my-home-insurance-go-up')" :labelledBy="$id('heading-why-did-my-home-insurance-go-up')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-inline"> <p>Home insurance premiums can change for a number of reasons. If you change your coverage, like adding an endorsement or increasing a coverage limit, your premium will likely change. Endorsements can cost anywhere from a few dozen dollars to hundreds of dollars per year, depending on the coverage type and limits you buy. If you <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/does-homeowners-insurance-go-up-after-a-claim/">file a claim</a> during your policy term, you could see an increase in your premium at your renewal. Depending on the severity of your claim, the cause of the damage and the underlying factors on your policy, you may see anywhere from a modest to a substantial increase in premium after a claim.</p> <p>You may see premium increases at your policy renewal even when you haven’t changed your coverage. Insurance companies often adjust your coverage limits to keep pace with inflation, which helps to ensure your home is still properly covered when things get more expensive. This can increase your premium. Your company may also have filed a rate change with your state’s Department of Insurance, which could then affect the price you pay for coverage.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-why-did-my-home-insurance-go-up')" :labelledBy="$id('heading-why-did-my-home-insurance-go-up')" role="region" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-inline"> <p>Home insurance premiums can change for a number of reasons. If you change your coverage, like adding an endorsement or increasing a coverage limit, your premium will likely change. Endorsements can cost anywhere from a few dozen dollars to hundreds of dollars per year, depending on the coverage type and limits you buy. If you <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/does-homeowners-insurance-go-up-after-a-claim/">file a claim</a> during your policy term, you could see an increase in your premium at your renewal. Depending on the severity of your claim, the cause of the damage and the underlying factors on your policy, you may see anywhere from a modest to a substantial increase in premium after a claim.</p> <p>You may see premium increases at your policy renewal even when you haven’t changed your coverage. Insurance companies often adjust your coverage limits to keep pace with inflation, which helps to ensure your home is still properly covered when things get more expensive. This can increase your premium. Your company may also have filed a rate change with your state’s Department of Insurance, which could then affect the price you pay for coverage.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-does-my-home-insurance-cost-affect-my-mortgage-payment', 'heading-does-my-home-insurance-cost-affect-my-mortgage-payment']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-does-my-home-insurance-cost-affect-my-mortgage-payment')" :aria-controls="$id('panel-does-my-home-insurance-cost-affect-my-mortgage-payment')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name="Does my home insurance cost affect my mortgage payment?" data-position="3" data-text="" data-outcome="" data-variant="" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Does my home insurance cost affect my mortgage payment?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-does-my-home-insurance-cost-affect-my-mortgage-payment')" :labelledBy="$id('heading-does-my-home-insurance-cost-affect-my-mortgage-payment')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-inline"> <p>Probably. Most mortgages are set up with an escrow account, which means that the mortgage company collects a portion of your home insurance premiums (and your property taxes) in your monthly payment. These amounts will be saved in your escrow account and the mortgage company will then pay your home insurance and property taxes when they come due. Mortgage escrow accounts are very common. A more expensive home insurance policy will mean that your mortgage company needs to collect more money from you monthly, so your mortgage payment could be higher. However, keep in mind that the portion of your <a class="Link" href="https://www.bankrate.com/mortgages/mortgage-calculator/">monthly mortgage payment</a> that is earmarked for home insurance doesn't affect the principal or interest on your mortgage loan.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-does-my-home-insurance-cost-affect-my-mortgage-payment')" :labelledBy="$id('heading-does-my-home-insurance-cost-affect-my-mortgage-payment')" role="region" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-inline"> <p>Probably. Most mortgages are set up with an escrow account, which means that the mortgage company collects a portion of your home insurance premiums (and your property taxes) in your monthly payment. These amounts will be saved in your escrow account and the mortgage company will then pay your home insurance and property taxes when they come due. Mortgage escrow accounts are very common. A more expensive home insurance policy will mean that your mortgage company needs to collect more money from you monthly, so your mortgage payment could be higher. However, keep in mind that the portion of your <a class="Link" href="https://www.bankrate.com/mortgages/mortgage-calculator/">monthly mortgage payment</a> that is earmarked for home insurance doesn't affect the principal or interest on your mortgage loan.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-what-is-the-80-percent-rule-in-homeowners-insurancespan', 'heading-span-classtext-what-is-the-80-percent-rule-in-homeowners-insurancespan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-what-is-the-80-percent-rule-in-homeowners-insurancespan')" :aria-controls="$id('panel-span-classtext-what-is-the-80-percent-rule-in-homeowners-insurancespan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name="What is the 80 percent rule in homeowners insurance?" data-position="4" data-text="" data-variant="" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What is the 80 percent rule in homeowners insurance?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-what-is-the-80-percent-rule-in-homeowners-insurancespan')" :labelledBy="$id('heading-span-classtext-what-is-the-80-percent-rule-in-homeowners-insurancespan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-block w-full"> <p>The 80 percent rule, also known as the 80/20 home insurance rule and the coinsurance clause,<strong> </strong>states that homeowners must insure their home for at least 80 percent of its replacement cost value or RCV. </p> <p>If a home experiences a loss and is insured for less than 80 percent, insurance companies only pay the claim based on the percentage of coverage held, divided by the amount needed to be covered at 80 percent. Some home insurance companies require carrying more than 80 percent to qualify for a policy. </p> <p><strong>Here is the 80 percent rule equation: </strong><em>Amount of loss X (coverage you have / coverage you should have) = claim amount – deductible =  claim payout</em></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-what-is-the-80-percent-rule-in-homeowners-insurancespan')" :labelledBy="$id('heading-span-classtext-what-is-the-80-percent-rule-in-homeowners-insurancespan')" role="region" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-block w-full"> <p>The 80 percent rule, also known as the 80/20 home insurance rule and the coinsurance clause,<strong> </strong>states that homeowners must insure their home for at least 80 percent of its replacement cost value or RCV. </p> <p>If a home experiences a loss and is insured for less than 80 percent, insurance companies only pay the claim based on the percentage of coverage held, divided by the amount needed to be covered at 80 percent. Some home insurance companies require carrying more than 80 percent to qualify for a policy. </p> <p><strong>Here is the 80 percent rule equation: </strong><em>Amount of loss X (coverage you have / coverage you should have) = claim amount – deductible =  claim payout</em></p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-what-is-inflation-guard-coveragespan', 'heading-span-classtext-what-is-inflation-guard-coveragespan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-what-is-inflation-guard-coveragespan')" :aria-controls="$id('panel-span-classtext-what-is-inflation-guard-coveragespan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name="What is inflation guard coverage?" data-position="5" data-text="" data-variant="" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What is inflation guard coverage?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-what-is-inflation-guard-coveragespan')" :labelledBy="$id('heading-span-classtext-what-is-inflation-guard-coveragespan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-block w-full"> <p>Many home insurance companies have inflation guard coverage built into policies or policyholders may have the option to purchase it as an endorsement. Upon each renewal, the inflation guard coverage ensures that the replacement cost of the dwelling increases to account for rising labor and building material costs. While this coverage can be highly beneficial, it does cause the premium to increase since it provides more coverage. But, it could prevent you from becoming underinsured.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-what-is-inflation-guard-coveragespan')" :labelledBy="$id('heading-span-classtext-what-is-inflation-guard-coveragespan')" role="region" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-block w-full"> <p>Many home insurance companies have inflation guard coverage built into policies or policyholders may have the option to purchase it as an endorsement. Upon each renewal, the inflation guard coverage ensures that the replacement cost of the dwelling increases to account for rising labor and building material costs. While this coverage can be highly beneficial, it does cause the premium to increase since it provides more coverage. But, it could prevent you from becoming underinsured.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-what-should-i-do-if-my-home-insurance-was-nonrenewed', 'heading-what-should-i-do-if-my-home-insurance-was-nonrenewed']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-should-i-do-if-my-home-insurance-was-nonrenewed')" :aria-controls="$id('panel-what-should-i-do-if-my-home-insurance-was-nonrenewed')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name="What should I do if my home insurance was nonrenewed?" data-position="6" data-text="" data-outcome="" data-variant="" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What should I do if my home insurance was nonrenewed?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-should-i-do-if-my-home-insurance-was-nonrenewed')" :labelledBy="$id('heading-what-should-i-do-if-my-home-insurance-was-nonrenewed')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-inline"> <div><a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/homeowners-insurance-canceled/">Home insurance nonrenewals</a> happen for many reasons. Perhaps your homeowners insurance company decides it will not renew your policy unless you make certain home repairs. Or, maybe your company can no longer offer you a policy due to a change in your claims history. If you live in a state with a struggling homeowners insurance market, your current carrier could even be facing insolvency, resulting in a nonrenewal. Regardless of the reason, it’s important to maintain a line of communication between you and your agent. A meeting with your agent could help you understand the reasons for your nonrenewal (and mitigate it, if possible). Additionally, your agent may be able to give you advice about finding <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/get-home-insurance-after-non-renewal/">homeowners insurance after a nonrenewal</a>, if your nonrenewal is inevitable.  </div></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-should-i-do-if-my-home-insurance-was-nonrenewed')" :labelledBy="$id('heading-what-should-i-do-if-my-home-insurance-was-nonrenewed')" role="region" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-inline"> <div><a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/homeowners-insurance-canceled/">Home insurance nonrenewals</a> happen for many reasons. Perhaps your homeowners insurance company decides it will not renew your policy unless you make certain home repairs. Or, maybe your company can no longer offer you a policy due to a change in your claims history. If you live in a state with a struggling homeowners insurance market, your current carrier could even be facing insolvency, resulting in a nonrenewal. Regardless of the reason, it’s important to maintain a line of communication between you and your agent. A meeting with your agent could help you understand the reasons for your nonrenewal (and mitigate it, if possible). Additionally, your agent may be able to give you advice about finding <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/get-home-insurance-after-non-renewal/">homeowners insurance after a nonrenewal</a>, if your nonrenewal is inevitable.  </div></div> </div> </div> </noscript> </li> </ul> </div> <div id="methodology" class="SectionWithTocItem " data-beam-element-viewed id="methodology" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="Methodology" data-position="8" data-text="" > <div class="insurance-template-methodology"> <h2 class="insurance-template-methodology__header type-heading-two mt-4 mb-6 font-bold md:mb-12">Methodology</h2> <div class="insurance-template-methodology__top-level-content mb-6 type-body-one md:mb-12"> <div class="wysiwyg display-block w-full"> <p>Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage levels:</p></div> </div> <div class="insurance-template-methodology__base-profile-content mb-4"> <div class="md:display-flex md:gap-12"> <div class="insurance-template-methodology__base-profile-content__left-side md:display-flex flex-direction-column md:w-2/3 mb-8"> <div class="md:display-flex flex-direction-column md:h-full"> <div class="base-profile-content-container display-flex align-items-center py-4 px-6 md:px-10 bg-gray-light mb-2 rounded-lg h-28"> <span class="Icon mr-10 w-8 h-8 "> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg></span> <div class=""> <div class="font-circular-bold text-base leading-7 font-bold">40 year old</div> <span class="type-body-two leading-snug text-slate">Married male and female homeowners</span> </div> </div><div class="base-profile-content-container display-flex align-items-center py-4 px-6 md:px-10 bg-gray-light mb-2 rounded-lg h-36 md:h-72"> <img src="https://www.bankrate.com/f/102997/360x293/1b37df5bc7/home-methodology-image.png" alt="Logo for Brand name" class="base-profile-content-container__home-image mr-6 md:mr-10" width="120" height="97.24" loading="lazy"> <div class=""> <div class="font-circular-bold text-base leading-7 font-bold">2016 build year</div> <span class="type-body-two leading-snug text-slate">Primary home</span> </div> </div></div> <div class="insurance-template-methodology__base-profile-facts display-flex justify-content-space-between gap-2"> <div class="display-flex justify-content-center align-items-center insurance-template-methodology-facts bg-gray-light rounded-lg px-2 md:px-4 py-4 w-full h-28"> <div class="text-center"> <span class="Icon h-8 w-8 mb-4"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Credit Good Icon</title><path d="M22.01 19.09h-3.863c-.988 0-1.896-.736-2.255-1.832l-.072-.216a3.556 3.556 0 0 0-3.306-2.237c-1.546 0-2.903.98-3.388 2.444-.36 1.096-1.267 1.833-2.255 1.833H3.008a2.033 2.033 0 0 1-1.528-.674 1.867 1.867 0 0 1-.467-1.482C1.732 11.149 6.673 6.8 12.505 6.8c5.83 0 10.763 4.358 11.482 10.126a1.867 1.867 0 0 1-.467 1.482 2.033 2.033 0 0 1-1.528.674l.018.009Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M17.892 18.413h4.032l-.02-.01c.62 0 1.192-.253 1.595-.703.384-.431.553-.975.487-1.547-.75-6.019-5.897-10.566-11.981-10.566C5.92 5.587.764 10.125.014 16.153A1.948 1.948 0 0 0 .5 17.7c.403.45.975.703 1.594.703h4.031c1.032 0 1.979-.768 2.354-1.912a3.71 3.71 0 0 1 4.11-2.506l-.74 1.56A1.421 1.421 0 0 0 10.6 16.95a1.42 1.42 0 0 0 1.416 1.416 1.414 1.414 0 0 0 1.194-2.173l.795-1.676a3.71 3.71 0 0 1 1.46 1.758l.075.225c.375 1.144 1.322 1.913 2.353 1.913Zm-3.24-5.264c.128.075.253.155.375.24l3.81-3.81a10.558 10.558 0 0 0-6.072-2.466v5.38c.165.024.328.055.488.093L14.527 9.9a.753.753 0 0 1 1.36.647l-1.235 2.602Zm3.24 3.764c-.384 0-.694-.347-.862-.722l.01-.01-.057-.16a5.255 5.255 0 0 0-.866-1.601l3.795-3.795a10.508 10.508 0 0 1 2.602 5.716.466.466 0 0 1-.122.365.61.61 0 0 1-.468.207h-4.032ZM4.03 10.733a10.494 10.494 0 0 0-2.507 5.608c-.019.168.056.3.113.365a.602.602 0 0 0 .468.197h4.032c.44 0 .787-.46.928-.881.179-.545.44-1.045.77-1.486L4.03 10.733Zm1.063-1.06a10.579 10.579 0 0 1 6.172-2.559v5.381a5.217 5.217 0 0 0-2.371.98L5.093 9.674Z" class="icon-base"/></svg></span> <div class="type-body-two leading-snug text-slate text-sm">Good credit score</div> </div> </div> <div class="display-flex justify-content-center align-items-center insurance-template-methodology-facts bg-gray-light rounded-lg px-2 md:px-4 py-4 w-full h-28"> <div class="text-center"> <span class="Icon h-8 w-8 mb-4"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Home Insurance Guide Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M3.8 18.325c0 .987.618 1.792 1.372 1.792h15.956c.754 0 1.372-.805 1.372-1.792v-11.5c0-.987-.618-1.792-1.372-1.792H5.172c-.754 0-1.372.805-1.372 1.792v11.5Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.208 18.108h-7.16c-1.41 0-2.548-1.27-2.548-2.843V5.434c0-1.565 1.147-2.843 2.548-2.843h14.386c1.41 0 2.548 1.278 2.548 2.843v4.915c0 .36-.295.656-.655.656a.657.657 0 0 1-.655-.656V5.434c0-.844-.558-1.532-1.238-1.532H4.048c-.68 0-1.237.688-1.237 1.532v9.83c0 .845.557 1.533 1.237 1.533h7.16c.36 0 .656.295.656.655 0 .36-.295.656-.656.656Zm6.333-10.7H4.875a.657.657 0 0 1-.655-.656c0-.36.295-.655.655-.655H17.55c.36 0 .655.295.655.655 0 .36-.295.656-.655.656h-.009Zm-2.179 3.622H4.875a.657.657 0 0 1-.655-.656c0-.36.295-.655.655-.655h10.487c.36 0 .655.295.655.655 0 .36-.294.655-.655.655ZM4.818 14.642h5.088c.36 0 .655-.295.655-.655a.657.657 0 0 0-.655-.656H4.818a.657.657 0 0 0-.655.656c0 .36.295.655.655.655ZM15.01 21.41h5.268c.729 0 1.319-.606 1.319-1.351V16.44a.67.67 0 0 0 .237.045l.009-.008a.651.651 0 0 0 .41-1.163l-1.32-1.044v-1.455a.657.657 0 0 0-.655-.655.657.657 0 0 0-.656.655v.417l-1.22-.966a1.218 1.218 0 0 0-1.5 0l-3.858 3.056a.651.651 0 0 0-.107.917c.182.236.49.305.754.2v3.619c0 .745.59 1.351 1.319 1.351Zm5.268-1.31v-4.662l-2.638-2.09-2.638 2.09v4.62l5.276.042Z" class="icon-base"/></svg></span> <div class="type-body-two leading-snug text-slate text-sm">Clean claim history</div> </div> </div> </div> </div> <div class="insurance-template-methodology__base-profile-content-categories mb-8 md:w-1/3"> <div class="border-b border-gray-mid"> <div class="insurance-template-methodology-base-profile-categories pb-4 mt-4 md:mt-0"> <p class="font-circular-bold text-size-sm font-bold mb-2">Dwelling coverage</p> <span class="type-body-two text-slate"> <span class="text"> $300,000</span> <br> </span> </div> </div> <div class="border-b border-gray-mid md:pt-4"> <div class="insurance-template-methodology-base-profile-categories pb-4 mt-4 md:mt-0"> <p class="font-circular-bold text-size-sm font-bold mb-2">Other structures coverage</p> <span class="type-body-two text-slate"> <span class="text"> $30,000</span> <br> </span> </div> </div> <div class="border-b border-gray-mid md:pt-4"> <div class="insurance-template-methodology-base-profile-categories pb-4 mt-4 md:mt-0"> <p class="font-circular-bold text-size-sm font-bold mb-2">Personal property coverage</p> <span class="type-body-two text-slate"> <span class="text"> $150,000</span> <br> </span> </div> </div> <div class="border-b border-gray-mid md:pt-4"> <div class="insurance-template-methodology-base-profile-categories pb-4 mt-4 md:mt-0"> <p class="font-circular-bold text-size-sm font-bold mb-2">Loss of use coverage</p> <span class="type-body-two text-slate"> <span class="text"> $60,000</span> <br> </span> </div> </div> <div class="border-b border-gray-mid md:pt-4"> <div class="insurance-template-methodology-base-profile-categories pb-4 mt-4 md:mt-0"> <p class="font-circular-bold text-size-sm font-bold mb-2">Liability coverage</p> <span class="type-body-two text-slate"> <span class="text"> $500,000</span> <br> </span> </div> </div> <div class="md:pt-4"> <div class="insurance-template-methodology-base-profile-categories pb-4 mt-4 md:mt-0"> <p class="font-circular-bold text-size-sm font-bold mb-2">Medical payment coverage</p> <span class="type-body-two text-slate"> <span class="text"> $1,000</span> <br> </span> </div> </div> </div> </div> </div> <div class="insurance-template-methodology__other-profiles-content mb-8"> <div class="type-heading-three leading-8 font-bold mb-6"></div> </div> </div> <div id="methodology-profiles" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <p>The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. </p> <p>These are sample rates and should be used for comparative purposes only. Your quotes will differ.</p></div> <ul class="Accordion w-full" data-cy="accordion-f007d0bc-4265-4328-a5fa-f0861e630d02"> <li x-id="['panel-credit-methodology', 'heading-credit-methodology']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-credit-methodology')" :aria-controls="$id('panel-credit-methodology')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" credit: " data-position="1" data-text=" Credit: " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Credit:</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-credit-methodology')" :labelledBy="$id('heading-credit-methodology')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts. </p> <div> </div></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-credit-methodology')" :labelledBy="$id('heading-credit-methodology')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts. </p> <div> </div></div> </div> </div> </noscript> </li> <li x-id="['panel-claims-methodology', 'heading-claims-methodology']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-claims-methodology')" :aria-controls="$id('panel-claims-methodology')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" claims: " data-position="2" data-text=" Claims: " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Claims:</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-claims-methodology')" :labelledBy="$id('heading-claims-methodology')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-claims-methodology')" :labelledBy="$id('heading-claims-methodology')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”</p></div> </div> </div> </noscript> </li> <li x-id="['panel-year-built-methodology', 'heading-year-built-methodology']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-year-built-methodology')" :aria-controls="$id('panel-year-built-methodology')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" year built: " data-position="3" data-text=" Year built: " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Year built:</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-year-built-methodology')" :labelledBy="$id('heading-year-built-methodology')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>Rates were calculated based on the following years built for homes and assigned to our homeowners: “1959, 1982, 1992, 2010, 2016 (base) and 2020.”</p> <p><br /><br /></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-year-built-methodology')" :labelledBy="$id('heading-year-built-methodology')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>Rates were calculated based on the following years built for homes and assigned to our homeowners: “1959, 1982, 1992, 2010, 2016 (base) and 2020.”</p> <p><br /><br /></p></div> </div> </div> </noscript> </li> </ul> </div> <div class="wysiwyg display-block w-full"> <p><strong>Additional profiles:</strong></p> <ul> <li><strong>Coverage A, Dwelling:</strong> $150,000, $350,000, $450,000, $750,000</li> <li><strong>Coverage B, Other Structures:</strong> $15,000, $35,000, $45,000, &75,000</li> <li><strong>Coverage C, Personal Property: </strong>$75,000, $175,000, $225,000, $375,000</li> <li><strong>Coverage D, Loss of Use:</strong> $30,000, $70,000, $90,000, $150,000</li> <li><strong>Coverage E, Liability:</strong> $500,000</li> <li><strong>Coverage F, Medical Payments:</strong> $1,000</li> </ul> <h3>Bankrate Scores</h3> <div> <div>Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. </div> <div> </div> <div>Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.</div> </div></div> <div class="DonutChart wrapper-editorial display-flex flex-direction-row-reverse justify-content-center align-items-center flex-wrap sm:justify-content-space-between"> <div class="mx-auto md:mx-0 w-80 h-80 pos-relative flex-grow-0"> <div id="DonutChart-afb6acbc-e5c9-43e0-96f4-5a14ab4899f7" class="DonutChart-chart-anchor"></div> <div class="DonutChart-chart-middle w-36 h-36 pos-absolute border border-slate rounded-full display-flex flex-direction-column align-items-center"> <span class="DonutChart-chart-middle-score text-4xl leading-10 font-bold">5</span> <div class="star-rating star-rating--number-size-sm align-center my-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-three">Overall Score</span> </div> </div> <ul class="DonutChart-list List display-flex gap-y-3 flex-direction-column justify-content-center mx-auto mb-0 md:mx-0"> <li class="DonutChartItem"> <div class="display-flex gap-2 flex-direction-row align-items-center w-full px-4 py-2 rounded-lg box-shadow-1 text-decoration-none no-underline border border-transparent"> <span class="DonutChartItem-coloredDot bg-teal-600 rounded-full w-4 h-4"></span> <span class="DonutChartItem-title type-body-one text-crop-none type-body-one leading-7 text-slate flex-grow"> Cost & ratings</span> <span class="DonutChartItem-percentage display-block text-base leading-7 text-black font-circular-bold">50%</span> </div> </li> <li class="DonutChartItem"> <div class="display-flex gap-2 flex-direction-row align-items-center w-full px-4 py-2 rounded-lg box-shadow-1 text-decoration-none no-underline border border-transparent"> <span class="DonutChartItem-coloredDot bg-coral-500 rounded-full w-4 h-4"></span> <span class="DonutChartItem-title type-body-one text-crop-none type-body-one leading-7 text-slate flex-grow"> Coverage & savings</span> <span class="DonutChartItem-percentage display-block text-base leading-7 text-black font-circular-bold">30%</span> </div> </li> <li class="DonutChartItem"> <div class="display-flex gap-2 flex-direction-row align-items-center w-full px-4 py-2 rounded-lg box-shadow-1 text-decoration-none no-underline border border-transparent"> <span class="DonutChartItem-coloredDot bg-lavender-400 rounded-full w-4 h-4"></span> <span class="DonutChartItem-title type-body-one text-crop-none type-body-one leading-7 text-slate flex-grow"> Support</span> <span class="DonutChartItem-percentage display-block text-base leading-7 text-black font-circular-bold">20%</span> </div> </li></ul> </div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <ul> <li><strong>Tier 1 (Cost & ratings): </strong>To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from <a class="Link" href="https://www.bankrate.com/insurance/jd-power/">J.D. Power</a>, <a class="Link" href="https://www.bankrate.com/insurance/am-best/">AM Best</a>, Demotech and the <a class="Link" href="https://www.bankrate.com/insurance/naic/">NAIC</a>, were analyzed.</li> <li><strong>Tier 2 (Coverage & savings): </strong>We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.</li> <li><strong>Tier 3 (Support):</strong> To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from <a class="Link" href="https://www.bankrate.com/insurance/s-and-p/">S&P</a> and Moody’s and factored a company’s corporate sustainability efforts.</li> </ul> <p>Tier scores are unweighted to show the company's true score in each category out of a possible five points.</p></div> </div> <div id="sticky-banner" class="SectionWithTocItem " data-beam-element-viewed id="sticky-banner" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="sticky banner" data-text="" > <div data-cy="autoStickyBanner" class="display-flex pos-fixed z-layer-five w-full auto-sticky-banner" x-data="autoStickyBanner( '0', false, true, 'homeowners', 'rate-table-homeowners-insurance', false, )" :class="[toggleGeoUrgencyBanner ? 'bg-gray-light' : 'bg-gray-light', visible ? 'is-visible' : '', !show ? 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home insurance today!</p> </div> </div> <div class="auto-sticky-banner-form display-flex gap-2 align-items-flex-end justify-content-center"> <div class="max-w-sm pos-relative"> <div x-data x-id="['input']" class="FormControl"> <span class="text-xs font-bold">ZIP code</span> <input x-bind:id="$id('input')" class="FormInput md:w-32 w-40" title="ZIP code" name="zip_code_input" maxlength="5" x-model="zipInput.userInputField.fieldValue" x-on:keypress="onlyNumbers" x-on:input="inputChange(zipInput)" placeholder="zip"></div> </div> <button type="submit" data-cy="autoStickyBanner-submitButton" class="Button Button--primary text-lg font-circular-book w-40" @click="submitForm()" x-bind:disabled="isFormValid()" style="max-width: 200px"> Get quotes</button> </div> <div class="auto-sticky-banner-close pos-absolute display-flex md:mr-5"> <svg x-on:click="close()" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" 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https://www.bankrate.com/brp/2024/07/17160456/NatalieTodoroffHeadshot-scaled.jpg?auto=webp&quality=85&width=96&height=96&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/07/17160456/NatalieTodoroffHeadshot-scaled.jpg?auto=webp&quality=85&width=96&height=96&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xl mr-8 flex-shrink-0" alt=""> </div> <div class="flex-grow display-flex flex-direction-column justify-content-space-evenly"> <div class="type-body-two text-slate">Written by</div> <div class="type-heading-four pr-2"> Natalie Todoroff</div> <div class="type-body-two text-slate pr-2">Writer, Insurance</div> </div> <div class="display-flex justify-content-space-between align-items-flex-end author-links mt-4 md:mt-0"> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> </ul> <div> <a class="Button Button--secondary type-body-two" href="https://www.bankrate.com/authors/natalie-todoroff/">Read more from Natalie</a> </div> </div> </div> <div class="w-full type-body-two text-slate mt-4 mb-8"> Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.</div> <div class="author-additional md:flex-grow pt-8 mb-4 md:pt-0 md:mb-0"> <div class="display-flex"> <div class="author-additional-preview sm:mr-auto"> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--basic"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2024/02/22173346/Jessa-Claeys-headshot.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/02/22173346/Jessa-Claeys-headshot.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/02/22173346/Jessa-Claeys-headshot.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/02/22173346/Jessa-Claeys-headshot.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <span class="AuthorPreview-label text-slate type-body-two text-crop-none">Edited by</span> <strong class="AuthorPreview-name font-bold text-crop-none display-flex align-items-center"> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('snYfji')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-snYfji" aria-controls="tooltip-content-snYfji" x-bind="trigger"> Jessa Claeys</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-snYfji" aria-hidden="true" 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class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Auto insurance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Homeowners insurance</li> </ul> </div> <div class="display-flex align-items-center text-black"> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. 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Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.  </div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/jessa-claeys/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/jessa-claeys/" target="_blank" rel="nofollow" aria-label="Connect with Jessa Claeys on LinkedIn" data-beam-element-clicked id="author_bio_jessa_claeys_linkedin_icon" data-type="icon" data-location="author_bio_jessa_claeys" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" 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rel="modulepreload" href="https://www.bankrate.com/v5.1514.2/next/build/assets/_commonjsHelpers-BosuxZz1.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1514.2/next/build/assets/stringify-CUxI7f_a.js" /><script type="module" src="https://www.bankrate.com/v5.1514.2/next/build/assets/auto-sticky-banner-DJFrQOI4.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1514.2/next/build/assets/coverageMonarchDecision-wieKBESi.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1514.2/next/build/assets/index-D_sY0rSs.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1514.2/next/build/assets/_commonjsHelpers-BosuxZz1.js" /><script type="module" src="https://www.bankrate.com/v5.1514.2/next/build/assets/coverageMonarchDecision-wieKBESi.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1514.2/next/build/assets/monarch-Ynma6bbP.js" /><script type="module" src="https://www.bankrate.com/v5.1514.2/next/build/assets/monarch-Ynma6bbP.js"></script><link rel="preload" as="style" href="https://www.bankrate.com/v5.1514.2/next/build/assets/alpine-tooltip-C-gN9zoC.css" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1514.2/next/build/assets/alpine-tooltip-BqQqc9mh.js" /><link rel="stylesheet" href="https://www.bankrate.com/v5.1514.2/next/build/assets/alpine-tooltip-C-gN9zoC.css" /><script type="module" src="https://www.bankrate.com/v5.1514.2/next/build/assets/alpine-tooltip-BqQqc9mh.js"></script><script async> function callMonarch(appId, ruleSetId, containerClass) { cohesion('monarch:ready', async () => { function getMonarchRuleSet(ruleSetCustomId) { return new Promise((res, rej) => { monarch( 'ruleset', ruleSetCustomId, {}, { sourceId: appId, makeIdentifier: `${window._Tagular.webContext.anonymousId}`, }, (err, result) => { if (err) { console.error('Monarch Error', err); res([]); } else { // loop through the keys of the result object for (const key in result) { result[key].ruleName = key; result[key].ruleSetId = ruleSetCustomId; } res(Object.values(result)); } } ); }); } const assets = await getMonarchRuleSet(ruleSetId); /** * Helper that transforms Monarch assets into a dictionary * to be used by the Wealth Rate Table application. */ const formatDictionary = (assets) => { return assets.reduce((acc, curr) => { // handles wealth assets if (curr.metadata) { const parsedMetadata = JSON.parse(curr.metadata); acc[parsedMetadata._featureName] = parsedMetadata; } // handles JO assets if (curr.assetPlacements?.length) { curr.assetPlacements.forEach((assetPlacement) => { if (assetPlacement.asset.metadata) { const parsedMetadata = JSON.parse(assetPlacement.asset .metadata); acc[parsedMetadata._featureName] = parsedMetadata; } }); } return acc; }, {}); } const formatWealthAssets = (assets) => { // Containing object to deliver processed assets to rate table let assetDictionary = {}; // Handles assets if they are deployed via multiple rules const multipleRules = Object.values(assets); // If multiple rules are detected if (multipleRules.length) { const formattedAssets = formatDictionary(multipleRules); assetDictionary = { ...assetDictionary, ...formattedAssets }; } // If single rule with one or many assets if (assets.length) { const formattedAssets = formatDictionary(assets); assetDictionary = { ...assetDictionary, ...formattedAssets }; } return assetDictionary; }; if (assets.length === 0) { return; } // Checks if we're on a page that contains the Wealth Rate Table if (typeof window.setMonarchAssets === 'function') { // Invokes method that will trigger a Wealth Rate Table state update window.setMonarchAssets(formatWealthAssets(assets)); } if (!window.jo) { // Initialize jo object on the window window.jo = {}; // Store Monarch assets within jo object window.jo.monarchAssets = []; // Create a method to push Monarch assets to monarchAssets array window.jo.storeMonarchMetadata = function storeMonarchMetadata(asset) { window.jo.monarchAssets.push(asset); } /** * Retrieve the JSON metadata for a Monarch-served preamp asset on the current page via ID. * * @NOTE "ID" refers to a nonstandard field that may be included in a JSON asset, NOT a preamp asset ID. */ window.jo.getMonarchMetadataById = function getMonarchMetadataById(id) { const matchedAsset = window.jo.monarchAssets.find(asset => { if (!asset.metadata) { return false; } try { const metadataJSON = JSON.parse(asset.metadata); const isAssetMatch = metadataJSON?.__id === id || metadataJSON?.__featureName === id; return isAssetMatch; } catch (error) { console.log(error); } }); if (!matchedAsset) { return {}; }; let metadata; try { metadata = JSON.parse(matchedAsset?.metadata); } catch { metadata = {}; } return metadata; } // Function to retrieve the JSON metadata for a Monarch-served preamp asset by feature name window.jo.getMetadataByFeatureName = function getMetadataByFeatureName(featureName) { const matchedAsset = 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