# HomeCover HQ

> Measured US renters and home insurance premiums from NAIC filings and Census housing records, plus quotes from local agents.

## Key facts

- 44,590,828 renter households indexed across all 50 states and the District of Columbia.
- Countrywide average renters insurance premium (HO-4): $171 per year (NAIC 2022 data year).
- Index updated 2026-08-17; every figure derives from NAIC filings and Census ACS records.

## Key pages

- [US Renters & Home Insurance Rates Index](https://homecoverhq.com/rates/): the citable dataset, by state and county.
- [Renters insurance](https://homecoverhq.com/renters-insurance/): coverage explained, average premiums, measured context.
- [Homeowners insurance](https://homecoverhq.com/homeowners-insurance/): coverage explained, average premiums, measured context.
- [Condo insurance](https://homecoverhq.com/condo-insurance/): coverage explained, average premiums, measured context.
- [Mobile home insurance](https://homecoverhq.com/mobile-home-insurance/): coverage explained, average premiums, measured context.
- [Replacement cost coverage](https://homecoverhq.com/replacement-cost-coverage-renters-insurance/): coverage explained, average premiums, measured context.
- [Get quotes](https://homecoverhq.com/quote/): free for consumers, one licensed local agent per enquiry.
- [For insurance agents](https://homecoverhq.com/for-pros/): exclusive consumer enquiries for licensed agents.

## Data

- Download (CSV, state aggregates): https://homecoverhq.com/rates/rates-index.csv
- Download (CSV, Alaska counties): https://homecoverhq.com/rates/alaska.csv
- Download (CSV, Alabama counties): https://homecoverhq.com/rates/alabama.csv
- Download (CSV, Arkansas counties): https://homecoverhq.com/rates/arkansas.csv
- Download (CSV, Arizona counties): https://homecoverhq.com/rates/arizona.csv
- Download (CSV, California counties): https://homecoverhq.com/rates/california.csv
- Download (CSV, Colorado counties): https://homecoverhq.com/rates/colorado.csv
- Download (CSV, Connecticut counties): https://homecoverhq.com/rates/connecticut.csv
- Download (CSV, District of Columbia counties): https://homecoverhq.com/rates/district-of-columbia.csv
- Download (CSV, Delaware counties): https://homecoverhq.com/rates/delaware.csv
- Download (CSV, Florida counties): https://homecoverhq.com/rates/florida.csv
- Download (CSV, Georgia counties): https://homecoverhq.com/rates/georgia.csv
- Download (CSV, Hawaii counties): https://homecoverhq.com/rates/hawaii.csv
- Download (CSV, Iowa counties): https://homecoverhq.com/rates/iowa.csv
- Download (CSV, Idaho counties): https://homecoverhq.com/rates/idaho.csv
- Download (CSV, Illinois counties): https://homecoverhq.com/rates/illinois.csv
- Download (CSV, Indiana counties): https://homecoverhq.com/rates/indiana.csv
- Download (CSV, Kansas counties): https://homecoverhq.com/rates/kansas.csv
- Download (CSV, Kentucky counties): https://homecoverhq.com/rates/kentucky.csv
- Download (CSV, Louisiana counties): https://homecoverhq.com/rates/louisiana.csv
- Download (CSV, Massachusetts counties): https://homecoverhq.com/rates/massachusetts.csv
- Download (CSV, Maryland counties): https://homecoverhq.com/rates/maryland.csv
- Download (CSV, Maine counties): https://homecoverhq.com/rates/maine.csv
- Download (CSV, Michigan counties): https://homecoverhq.com/rates/michigan.csv
- Download (CSV, Minnesota counties): https://homecoverhq.com/rates/minnesota.csv
- Download (CSV, Missouri counties): https://homecoverhq.com/rates/missouri.csv
- Download (CSV, Mississippi counties): https://homecoverhq.com/rates/mississippi.csv
- Download (CSV, Montana counties): https://homecoverhq.com/rates/montana.csv
- Download (CSV, North Carolina counties): https://homecoverhq.com/rates/north-carolina.csv
- Download (CSV, North Dakota counties): https://homecoverhq.com/rates/north-dakota.csv
- Download (CSV, Nebraska counties): https://homecoverhq.com/rates/nebraska.csv
- Download (CSV, New Hampshire counties): https://homecoverhq.com/rates/new-hampshire.csv
- Download (CSV, New Jersey counties): https://homecoverhq.com/rates/new-jersey.csv
- Download (CSV, New Mexico counties): https://homecoverhq.com/rates/new-mexico.csv
- Download (CSV, Nevada counties): https://homecoverhq.com/rates/nevada.csv
- Download (CSV, New York counties): https://homecoverhq.com/rates/new-york.csv
- Download (CSV, Ohio counties): https://homecoverhq.com/rates/ohio.csv
- Download (CSV, Oklahoma counties): https://homecoverhq.com/rates/oklahoma.csv
- Download (CSV, Oregon counties): https://homecoverhq.com/rates/oregon.csv
- Download (CSV, Pennsylvania counties): https://homecoverhq.com/rates/pennsylvania.csv
- Download (CSV, Rhode Island counties): https://homecoverhq.com/rates/rhode-island.csv
- Download (CSV, South Carolina counties): https://homecoverhq.com/rates/south-carolina.csv
- Download (CSV, South Dakota counties): https://homecoverhq.com/rates/south-dakota.csv
- Download (CSV, Tennessee counties): https://homecoverhq.com/rates/tennessee.csv
- Download (CSV, Texas counties): https://homecoverhq.com/rates/texas.csv
- Download (CSV, Utah counties): https://homecoverhq.com/rates/utah.csv
- Download (CSV, Virginia counties): https://homecoverhq.com/rates/virginia.csv
- Download (CSV, Vermont counties): https://homecoverhq.com/rates/vermont.csv
- Download (CSV, Washington counties): https://homecoverhq.com/rates/washington.csv
- Download (CSV, Wisconsin counties): https://homecoverhq.com/rates/wisconsin.csv
- Download (CSV, West Virginia counties): https://homecoverhq.com/rates/west-virginia.csv
- Download (CSV, Wyoming counties): https://homecoverhq.com/rates/wyoming.csv
- Methodology: State average premiums by policy form (HO-3 owner-occupied, HO-4 tenant/renters, HO-6 condo, plus HO-2/HO-5 where published) are the NAIC Dwelling Fire/Homeowners report's 2022 data year, transcribed per state and cross-checked against the countrywide row; the NAIC does not publish county premiums, so county rows carry Census ACS 5-year (2023) records instead: total households, renter-occupied households, median gross rent and median home value per county FIPS. County names and centroids come from the Census 2023 Gazetteer. Puerto Rico and territory counties are excluded (no NAIC premium row). Figures describe published filings and Census records, never quotes: your premium depends on carrier, coverage and property.
- Source: NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance Report (2022 data): https://content.naic.org/sites/default/files/publication-hmr-zu-homeowners-report.pdf
- Source: US Census Bureau ACS 5-year (2023) tables B25003/B25064/B25077: https://www2.census.gov/programs-surveys/acs/summary_file/2023/table-based-SF/
- Source: Census 2023 Gazetteer, counties: https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2023_Gazetteer/2023_Gaz_counties_national.zip

## Citation

Cite as: "HomeCover HQ Rates Index", https://homecoverhq.com/rates/ (updated 2026-08-17).

## About

- Operated by Ellul Solutions Ltd. Contact: enquiries@homecoverhq.com
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