# Home insurance quotes: US Home Premium Index

> The median published figure in the US Home Premium Index is 228 USD across 19 figures from 8 sources' own pages (range 5 to 3,103 USD), read 26 September 2026.

HomeCover HQ · https://homecoverhq.com/datasets/us-home-premium-index/ · computed 2026-09-26

**Median published figure:** 228 USD (range 5 to 3,103 USD; 19 sources with a figure; 8 of 35 sources read publish one).

8 of the 35 named sources read in full publish a figure; 27 publish none, read 26 September 2026.

The median is down 8.50 USD since 25 September 2026 (was 236.50 USD across 22).

## By product and state

| Breakdown | Median | Range | Sources |
|---|---|---|---|
| product HO-4 renters, entry price per month | 5 USD | 5 to 12 USD | 5 |
| product HO-3 homeowners | 855 USD | 855 to 855 USD | 1 |
| state Alaska | 563.5 USD | 187 to 940 USD | 2 |
| state Arizona | 1,270.5 USD | 204 to 2,337 USD | 2 |
| state Arkansas | 1,731.5 USD | 360 to 3,103 USD | 2 |
| state California | 914 USD | 195 to 1,633 USD | 2 |
| state Colorado | 180 USD | 180 to 180 USD | 1 |
| state Connecticut | 228 USD | 228 to 228 USD | 1 |
| state Delaware | 245 USD | 245 to 245 USD | 1 |
| state Florida | 348 USD | 348 to 348 USD | 1 |
| state Georgia | 300 USD | 300 to 300 USD | 1 |

## Every figure, with its source

One row per source: the figure the source's own page publishes, the page, and the day it was read.

| Source | Figure | Breakdown | Read |
|---|---|---|---|
| [The Hartford (AARP) homeowners insurance rates](https://www.thehartford.com/aarp/homeowners-insurance/rates) | 3,103 USD | Arkansas | 2026-09-12 |
| [The Hartford (AARP) homeowners insurance rates](https://www.thehartford.com/aarp/homeowners-insurance/rates) | 2,337 USD | Arizona | 2026-09-12 |
| [The Hartford (AARP) homeowners insurance rates](https://www.thehartford.com/aarp/homeowners-insurance/rates) | 1,633 USD | California | 2026-09-12 |
| [The Hartford (AARP) homeowners insurance rates](https://www.thehartford.com/aarp/homeowners-insurance/rates) | 940 USD | Alaska | 2026-09-12 |
| [Hippo: how much is homeowners insurance](https://www.hippo.com/learn-center/homeowners-insurance-cost) | 926 USD | HO-3 homeowners | 2026-09-12 |
| [Hippo: how much is homeowners insurance](https://www.hippo.com/learn-center/homeowners-insurance-cost) | 855 USD | HO-3 homeowners | 2026-09-12 |
| [Hippo: how much is homeowners insurance](https://www.hippo.com/learn-center/homeowners-insurance-cost) | 765 USD | HO-3 homeowners | 2026-09-12 |
| [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance) | 360 USD | Arkansas | 2026-09-12 |
| [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance) | 348 USD | Florida | 2026-09-12 |
| [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance) | 300 USD | Georgia | 2026-09-12 |
| [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance) | 245 USD | Delaware | 2026-09-12 |
| [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance) | 228 USD | Connecticut | 2026-09-12 |
| [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance) | 204 USD | Arizona | 2026-09-12 |
| [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance) | 195 USD | California | 2026-09-12 |
| [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance) | 187 USD | Alaska | 2026-09-12 |
| [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance) | 180 USD | Colorado | 2026-09-12 |
| [GEICO renters insurance](https://www.geico.com/renters-insurance/) | 12 USD | HO-4 renters, entry price per month | 2026-09-12 |
| [USAA renters insurance](https://www.usaa.com/insurance/property/renters/) | 10 USD | HO-4 renters, entry price per month | 2026-09-12 |
| [Lemonade renters insurance](https://www.lemonade.com/renters) | 5 USD | HO-4 renters, entry price per month | 2026-09-12 |
| [Jetty Protect renters insurance](https://www.jetty.com/renters/jetty-protect) | 5 USD | HO-4 renters, entry price per month | 2026-09-12 |
| [Liberty Mutual renters insurance](https://www.libertymutual.com/property/renters-insurance) | 5 USD | HO-4 renters, entry price per month | 2026-09-12 |
| [Liberty Mutual renters insurance](https://www.libertymutual.com/property/renters-insurance) | 5 USD | HO-4 renters, entry price per month | 2026-09-12 |

## The sentence each figure was read from (22)

- [The Hartford (AARP) homeowners insurance rates](https://www.thehartford.com/aarp/homeowners-insurance/rates), read 2026-09-12: "Arkansas $3,103 $259"
- [The Hartford (AARP) homeowners insurance rates](https://www.thehartford.com/aarp/homeowners-insurance/rates), read 2026-09-12: "Arizona $2,337 $195"
- [The Hartford (AARP) homeowners insurance rates](https://www.thehartford.com/aarp/homeowners-insurance/rates), read 2026-09-12: "California $1,633 $136"
- [The Hartford (AARP) homeowners insurance rates](https://www.thehartford.com/aarp/homeowners-insurance/rates), read 2026-09-12: "Alaska $940 $78"
- [Hippo: how much is homeowners insurance](https://www.hippo.com/learn-center/homeowners-insurance-cost), read 2026-09-12: "$926"
- [Hippo: how much is homeowners insurance](https://www.hippo.com/learn-center/homeowners-insurance-cost), read 2026-09-12: "$855"
- [Hippo: how much is homeowners insurance](https://www.hippo.com/learn-center/homeowners-insurance-cost), read 2026-09-12: "$765"
- [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance), read 2026-09-12: "Arkansas $360"
- [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance), read 2026-09-12: "Florida $348"
- [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance), read 2026-09-12: "Georgia $300"
- [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance), read 2026-09-12: "Delaware $245"
- [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance), read 2026-09-12: "Connecticut $228"
- [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance), read 2026-09-12: "Arizona $204"
- [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance), read 2026-09-12: "California $195"
- [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance), read 2026-09-12: "Alaska $187"
- [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance), read 2026-09-12: "Colorado $180"
- [GEICO renters insurance](https://www.geico.com/renters-insurance/), read 2026-09-12: "We help you find coverage that fits your place and your budget, starting at $12 a month."
- [USAA renters insurance](https://www.usaa.com/insurance/property/renters/), read 2026-09-12: "You can expect to pay as little as $10 a month for a renters policy.‍ ‍"
- [Lemonade renters insurance](https://www.lemonade.com/renters), read 2026-09-12: "Starting from $5/mo."
- [Jetty Protect renters insurance](https://www.jetty.com/renters/jetty-protect), read 2026-09-12: "From $5/month, you can get the coverage you need at a price that won’t break the bank."
- [Liberty Mutual renters insurance](https://www.libertymutual.com/property/renters-insurance), read 2026-09-12: "Get customized renters insurance for as low as $5 a month.1"
- [Liberty Mutual renters insurance](https://www.libertymutual.com/property/renters-insurance), read 2026-09-12: "Protect your personal belongings for as little as $5 a month and enjoy peace of mind knowing you have the best renters insurance tailored to your needs."

## Read in full, publishes no figure

- [Lemonade: how much renters insurance actually costs](https://www.lemonade.com/renters/explained/this-is-how-much-renters-insurance-actually-costs/), read 2026-09-12: every candidate on the page was refused
- [Erie Insurance: how much does homeowners insurance cost](https://www.erieinsurance.com/blog/how-much-does-homeowners-insurance-cost), read 2026-09-12: every candidate on the page was refused
- [Liberty Mutual: average renters insurance cost](https://www.libertymutual.com/insurance-resources/property/average-renters-insurance-cost), read 2026-09-12: every candidate on the page was refused
- [USAA homeowners insurance](https://www.usaa.com/insurance/property/homeowners/), read 2026-09-12: every candidate on the page was refused
- [State Farm homeowners insurance](https://www.statefarm.com/insurance/home-and-property/homeowners), read 2026-09-12: every candidate on the page was refused
- [State Farm renters insurance](https://www.statefarm.com/insurance/home-and-property/renters), read 2026-09-12: every candidate on the page was refused
- [State Farm condo unitowners insurance](https://www.statefarm.com/insurance/home-and-property/condo-unitowners), read 2026-09-12: every candidate on the page was refused
- [Plymouth Rock home insurance](https://www.plymouthrock.com/insurance/home), read 2026-09-12: every candidate on the page was refused
- [Allstate: how much is homeowners insurance](https://www.allstate.com/resources/home-insurance/how-much-is-homeowners-insurance), read 2026-09-12: read in full and no accepted figure on the page
- [Nationwide: how much is homeowners insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-homeowners-insurance), read 2026-09-12: read in full and no accepted figure on the page
- [GEICO homeowners insurance](https://www.geico.com/information/aboutinsurance/homeowners/), read 2026-09-12: read in full and no accepted figure on the page
- [GEICO mobile home insurance](https://www.geico.com/mobile-home-insurance/), read 2026-09-12: read in full and no accepted figure on the page
- [Kin mobile home insurance](https://www.kin.com/mobile-home-insurance/), read 2026-09-12: read in full and no accepted figure on the page
- [Stillwater renters insurance](https://www.stillwaterinsurance.com/renters-insurance), read 2026-09-12: read in full and no accepted figure on the page
- [Westfield home insurance](https://www.westfieldinsurance.com/personal/home-insurance), read 2026-09-12: read in full and no accepted figure on the page
- [Travelers: do I need homeowners insurance and when should I buy it](https://www.travelers.com/resources/home/insuring/do-i-need-homeowners-insurance-and-when-should-i-buy-it), read 2026-09-12: every candidate on the page was refused
- [Farmers: how much is homeowners insurance](https://www.farmers.com/learn/insurance-questions/how-much-is-homeowners-insurance/), read 2026-09-12: read in full and no accepted figure on the page
- [NAIC Homeowners Insurance Report](https://content.naic.org/article/naic-releases-homeowners-insurance-report-2022), read 2026-09-12: read in full and no accepted figure on the page
- [NAIC homeowners insurance topic page](https://content.naic.org/insurance-topics/homeowners-insurance), read 2026-09-12: read in full and no accepted figure on the page
- [NAIC national analysis of homeowners insurance market trends](https://content.naic.org/article/naic-releases-first-its-kind-national-analysis-homeowners-insurance-market-trends), read 2026-09-12: every candidate on the page was refused
- [California Department of Insurance: compare insurance premiums](https://insurance.ca.gov/01-consumers/105-type/9-compare-prem), read 2026-09-12: read in full and no accepted figure on the page
- [California Department of Insurance: residential insurance](https://www.insurance.ca.gov/01-consumers/105-type/5-residential/), read 2026-09-12: read in full and no accepted figure on the page
- [Washington OIC: how insurance companies set homeowner rates](https://www.insurance.wa.gov/insurance-resources/home-insurance/how-home-insurance-works/how-insurance-companies-set-homeowner-rates), read 2026-09-12: read in full and no accepted figure on the page
- [Missouri DCI: severe weather and rising homeowners premiums](https://dci.mo.gov/node/361), read 2026-09-12: read in full and no accepted figure on the page
- [American Family: cost of homeowners insurance](https://www.amfam.com/resources/articles/understanding-insurance/cost-of-homeowners-insurance), read 2026-09-12: every candidate on the page was refused
- [Insurance Information Institute: facts and statistics, homeowners and renters insurance](https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance), read 2026-09-12: every candidate on the page was refused
- [the state rate-comparison publications and the carriers that publish a price](https://content.naic.org/insurance-topics/homeowners-insurance), read 2026-09-12: read in full and no accepted figure on the page

## Methodology

Every row is a verbatim sentence read from the named source's own page through the estate's fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 8 of the 35 named sources that could be read published a usable figure; 27 published none and are recorded as not published, never filled in; 5 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in USD (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 110 candidate sentence(s) were refused by a reviewer with the reason recorded. Derivation as chartered: the median, minimum and maximum annual premium for each of the five products (HO-3 owner, HO-4 renters, HO-6 condo, manufactured-home, landlord) per state, computed across two source layers nobody joins: the state insurance departments' own rate-comparison publications, which are per-carrier sample premiums for an identical hypothetical risk, and every carrier that publishes a figure on its own site. The derived figures are the SPREAD per state (cheapest to dearest carrier for the same risk), the share of carriers that publish a price at all versus quote-only, the cheapest publishing carrier per state, and repriced-since the previous read - a series only a repeated reading produces.

## Sources

- [Lemonade renters insurance](https://www.lemonade.com/renters) (the publisher's own terms; quoted for reporting and comment)
- [Lemonade: how much renters insurance actually costs](https://www.lemonade.com/renters/explained/this-is-how-much-renters-insurance-actually-costs/) (the publisher's own terms; quoted for reporting and comment)
- [Hippo: how much is homeowners insurance](https://www.hippo.com/learn-center/homeowners-insurance-cost) (the publisher's own terms; quoted for reporting and comment)
- [The Hartford (AARP) homeowners insurance rates](https://www.thehartford.com/aarp/homeowners-insurance/rates) (the publisher's own terms; quoted for reporting and comment)
- [Jetty Protect renters insurance](https://www.jetty.com/renters/jetty-protect) (the publisher's own terms; quoted for reporting and comment)
- [GEICO renters insurance](https://www.geico.com/renters-insurance/) (the publisher's own terms; quoted for reporting and comment)
- [Erie Insurance: how much does homeowners insurance cost](https://www.erieinsurance.com/blog/how-much-does-homeowners-insurance-cost) (the publisher's own terms; quoted for reporting and comment)
- [Liberty Mutual: average renters insurance cost](https://www.libertymutual.com/insurance-resources/property/average-renters-insurance-cost) (the publisher's own terms; quoted for reporting and comment)
- [Liberty Mutual renters insurance](https://www.libertymutual.com/property/renters-insurance) (the publisher's own terms; quoted for reporting and comment)
- [USAA renters insurance](https://www.usaa.com/insurance/property/renters/) (the publisher's own terms; quoted for reporting and comment)
- [USAA homeowners insurance](https://www.usaa.com/insurance/property/homeowners/) (the publisher's own terms; quoted for reporting and comment)
- [State Farm homeowners insurance](https://www.statefarm.com/insurance/home-and-property/homeowners) (the publisher's own terms; quoted for reporting and comment)
- [State Farm renters insurance](https://www.statefarm.com/insurance/home-and-property/renters) (the publisher's own terms; quoted for reporting and comment)
- [State Farm condo unitowners insurance](https://www.statefarm.com/insurance/home-and-property/condo-unitowners) (the publisher's own terms; quoted for reporting and comment)
- [Plymouth Rock home insurance](https://www.plymouthrock.com/insurance/home) (the publisher's own terms; quoted for reporting and comment)
- [Allstate: how much is homeowners insurance](https://www.allstate.com/resources/home-insurance/how-much-is-homeowners-insurance) (the publisher's own terms; quoted for reporting and comment)
- [Nationwide: how much is homeowners insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-homeowners-insurance) (the publisher's own terms; quoted for reporting and comment)
- [Nationwide: how much is renters insurance](https://www.nationwide.com/lc/resources/home/articles/how-much-is-renters-insurance) (the publisher's own terms; quoted for reporting and comment)
- [GEICO homeowners insurance](https://www.geico.com/information/aboutinsurance/homeowners/) (the publisher's own terms; quoted for reporting and comment)
- [GEICO mobile home insurance](https://www.geico.com/mobile-home-insurance/) (the publisher's own terms; quoted for reporting and comment)
- [Kin mobile home insurance](https://www.kin.com/mobile-home-insurance/) (the publisher's own terms; quoted for reporting and comment)
- [Stillwater renters insurance](https://www.stillwaterinsurance.com/renters-insurance) (the publisher's own terms; quoted for reporting and comment)
- [Westfield home insurance](https://www.westfieldinsurance.com/personal/home-insurance) (the publisher's own terms; quoted for reporting and comment)
- [Travelers: do I need homeowners insurance and when should I buy it](https://www.travelers.com/resources/home/insuring/do-i-need-homeowners-insurance-and-when-should-i-buy-it) (the publisher's own terms; quoted for reporting and comment)
- [Farmers: how much is homeowners insurance](https://www.farmers.com/learn/insurance-questions/how-much-is-homeowners-insurance/) (the publisher's own terms; quoted for reporting and comment)
- [NAIC Homeowners Insurance Report](https://content.naic.org/article/naic-releases-homeowners-insurance-report-2022) (the publisher's own terms; quoted for reporting and comment)
- [NAIC homeowners insurance topic page](https://content.naic.org/insurance-topics/homeowners-insurance) (the publisher's own terms; quoted for reporting and comment)
- [NAIC national analysis of homeowners insurance market trends](https://content.naic.org/article/naic-releases-first-its-kind-national-analysis-homeowners-insurance-market-trends) (the publisher's own terms; quoted for reporting and comment)
- [California Department of Insurance: compare insurance premiums](https://insurance.ca.gov/01-consumers/105-type/9-compare-prem) (the publisher's own terms; quoted for reporting and comment)
- [California Department of Insurance: residential insurance](https://www.insurance.ca.gov/01-consumers/105-type/5-residential/) (the publisher's own terms; quoted for reporting and comment)
- [Washington OIC: how insurance companies set homeowner rates](https://www.insurance.wa.gov/insurance-resources/home-insurance/how-home-insurance-works/how-insurance-companies-set-homeowner-rates) (the publisher's own terms; quoted for reporting and comment)
- [Missouri DCI: severe weather and rising homeowners premiums](https://dci.mo.gov/node/361) (the publisher's own terms; quoted for reporting and comment)
- [Maryland Insurance Administration homeowners rate comparison guide](https://insurance.maryland.gov/Consumer/Documents/publicnew/horateguide.pdf) (the publisher's own terms; quoted for reporting and comment)
- [Maryland Insurance Administration renters rate comparison guide](https://insurance.maryland.gov/consumer/documents/publicnew/renters-insurance-rate-guide.pdf) (the publisher's own terms; quoted for reporting and comment)
- [NY DFS homeowners and tenants insurance guide](https://www.dfs.ny.gov/consumers/help_for_homeowners/homeowner_tenant_guide) (the publisher's own terms; quoted for reporting and comment)
- [Virginia SCC Bureau of Insurance homeowners consumer guide](https://www.scc.virginia.gov/consumers/insurance/property-casualty-consumer/virginia-homeowners-insurance-guide/) (the publisher's own terms; quoted for reporting and comment)
- [Progressive: average cost of homeowners insurance](https://www.progressive.com/answers/average-cost-of-homeowners-insurance/) (the publisher's own terms; quoted for reporting and comment)
- [American Family: cost of homeowners insurance](https://www.amfam.com/resources/articles/understanding-insurance/cost-of-homeowners-insurance) (the publisher's own terms; quoted for reporting and comment)
- [Insurance Information Institute: facts and statistics, homeowners and renters insurance](https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance) (the publisher's own terms; quoted for reporting and comment)
- [the state rate-comparison publications and the carriers that publish a price](https://content.naic.org/insurance-topics/homeowners-insurance) (the publisher's own terms; quoted for reporting and comment)

## Cite or embed

- The median published figure in the US Home Premium Index is 228 USD across 19 figures from 8 sources' own pages (range 5 to 3,103 USD), read 26 September 2026.
- 8 of the 35 named sources read in full publish a figure; 27 publish none, read 26 September 2026.
- US Home Premium Index, product HO-4 renters, entry price per month: median 5 USD across 5 sources, read 26 September 2026.
- US Home Premium Index, product HO-3 homeowners: median 855 USD across 1 source, read 26 September 2026.
- US Home Premium Index, state Alaska: median 563.50 USD across 2 sources, read 26 September 2026.
- US Home Premium Index, state Arizona: median 1,270.50 USD across 2 sources, read 26 September 2026.
- US Home Premium Index, state Arkansas: median 1,731.50 USD across 2 sources, read 26 September 2026.
- US Home Premium Index, state California: median 914 USD across 2 sources, read 26 September 2026.
- US Home Premium Index, state Colorado: median 180 USD across 1 source, read 26 September 2026.
- US Home Premium Index, state Connecticut: median 228 USD across 1 source, read 26 September 2026.
- US Home Premium Index, state Delaware: median 245 USD across 1 source, read 26 September 2026.
- US Home Premium Index, state Florida: median 348 USD across 1 source, read 26 September 2026.
- US Home Premium Index, state Georgia: median 300 USD across 1 source, read 26 September 2026.
- The median is down 8.50 USD since 25 September 2026 (was 236.50 USD across 22).

Cite as: "HomeCover HQ US Home Premium Index", updated 2026-09-26, https://homecoverhq.com/datasets/us-home-premium-index/.

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