44,590,828 renter households indexed NAIC + Census ACS, updated 2026-08-17
Homeowners and renters insurance near you, with the rates measured first
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This one reports them: the NAIC's published average premiums for every state and policy form, joined to Census housing records for 44,590,828 renter households, next to a free quote route that sends your enquiry to one licensed local agent.
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- average renters premium (HO-4), 2022
- $171
- average homeowners premium (HO-3), 2022
- $1,569
- renter households in the index
- 44,590,828
- counties in the index
- 3,144
Rates data by state
The ten largest renter markets lead; every state is one click below.
- California 5,940,036 renter households, average renters premium $169
- Texas 4,023,511 renter households, average renters premium $199
- New York 3,504,163 renter households, average renters premium $169
- Florida 2,794,102 renter households, average renters premium $181
- Illinois 1,658,870 renter households, average renters premium $151
- Pennsylvania 1,605,715 renter households, average renters premium $151
- Ohio 1,594,003 renter households, average renters premium $160
- North Carolina 1,408,252 renter households, average renters premium $170
- Georgia 1,388,484 renter households, average renters premium $205
- New Jersey 1,262,873 renter households, average renters premium $151
All 51 states
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- District of Columbia
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Coverage types
- Renters insurance Renters insurance (an HO-4 policy) covers your belongings, your liability and your extra living costs after a covered loss, in a home you rent.
- Homeowners insurance Homeowners insurance (most commonly an HO-3 policy) covers the house itself, your belongings, your liability and living costs if a covered loss makes the home unlivable.
- Condo insurance Condo insurance (an HO-6 policy) covers the inside of your unit: interior finishes, your belongings, your liability and loss of use.
- Mobile home insurance Mobile and manufactured home insurance covers the home, your belongings and your liability, priced for factory-built construction.
- Replacement cost coverage Replacement cost coverage renters insurance (RCV) pays what it costs to buy your items new today; actual cash value (ACV) pays the same items minus depreciation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in the United States was $171 in 2022, across 44,590,828 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index", updated 2026-08-17, https://homecoverhq.com/.