P
Pulsafi

Average Homeowners Insurance (2026)

$1,946
Average annual homeowners insurance premium
Summary

The average US homeowners insurance premium is $1,946/year in 2026 — up 11% from 2024 due to climate risk and reinsurance pressure. Florida averages $4,200 (highest); Vermont and Hawaii average ~$1,100 (lowest). Replacement cost coverage on a typical $400K home runs $1,400-$2,200/year for most homeowners.

Breakdown

US average$1,946/yr
Florida (highest)$4,200/yr
Louisiana$3,600/yr
Texas$3,400/yr
California$1,600/yr
Vermont/Hawaii (lowest)$1,100/yr
Source
Insurance Information Institute / ATTOM· As of 2026-Q1

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All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.