2026
How Much Are Homeowners Paying for Insurance?
The Zebra’s latest report analyzes rates from more than 180 insurance companies to see the real cost of home insurance, why prices vary so much and how to make smarter choices before you sign your policy.
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The Average Cost of Home Insurance Nears $3,000 a Year in 2026
Costs vary significantly based on where your home is located, its age and other factors. In 2026, insuring a home in Florida costs 159% more than insuring a home in Vermont.
In this report, we dive into the current price of home insurance nationally and by state, our expert predictions for the coming year and how real consumers are approaching home insurance with a particular focus on first-time homebuyers.
We made friends with over 100 insurance companies, just for you.
At The Zebra, we believe the honest way must also be the thorough way. So we partner with trusted insurance companies of all shapes and sizes to give you every option possible. But don't worry, our comparison engine makes it easy to find the perfect choice in minutes. Mostly because that’s how we built it.
