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Homeowners Insurance by State

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Do all states require homeowners insurance?

No, homeowners insurance isn’t required by law, but your mortgage company will most likely require it.

To officially get a mortgage loan, you’ll likely need to provide proof of homeowners insurance that shows you’ve insured your home from common perils. You’ll also probably need to meet some policy limit requirements that protect your investment and correspond to your home’s worth, or at least how much you owe on your loan. Be sure to check the details of your loan when purchasing homeowners insurance and make sure you meet all the minimum requirements.

What kind of homeowners insurance does my state require?

We’ll make sure you get the home insurance coverage required where you live. Then, you can customize your coverage, so you only pay for what you need.

Common questions about homeowners insurance by state

Why does the cost of homeowners insurance vary by state?

The cost of homeowners insurance varies by state because some states are more prone to environmental risks and have different climates and common seasonal hazards than others. The coverages you need will differ based on these unique situations. For example, if you live in a state where flooding, fire, or tornadoes are common, you’ll probably need specific coverage for living in a higher-risk area. Florida, Louisiana, Kansas, and Oklahoma tend to be some of the most expensive states for homeowners insurance because they are more susceptible to natural disasters. Oregon, Utah, Idaho, and Nevada tend to have the lowest average home insurance rates.

If your home is in a high-flood-risk area, your lender is federally backed, or you receive disaster assistance, your lender might also require separate insurance policies for specific home-related risks, such as flooding, too.

How much does homeowners insurance cost in my state?

While the average cost of homeowners insurance in your state can be a good indicator of how much it might cost you, keep in mind that there are a variety of factors that affect cost. Things that may affect your state-specific home insurance rate include:

  • The location of your home and the surrounding environment
  • The climate and type of weather your state experiences
  • The value of your home
  • Building materials used throughout your home
  • The age of your home and systems (such as roof and plumbing)
  • The coverages you choose

It all depends on your unique needs and preferences. If you’re looking for ways to save on your home insurance, be sure to check out the many home insurance discounts offered by Liberty Mutual.

To find out how much it will cost where you live, get a quote.

How do I get a custom homeowner's insurance quote?

No matter where you live, we can customize your home insurance so you’re protected beyond your state’s requirements, and only pay for what you need. Whether you want coverage tailored to your specific situation or want to see how different deductibles might affect your premium, we can help.

Getting a homeowners quote is fast and easy. Just enter some basic information, including the address of the home you want to insure, some information about you, some information about your home, and a few more details and we’ll take care of the rest.

Looking for homeowners insurance advice? We can help.

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