What does home insurance cost per month?
Premiums are usually quoted for the policy term. Divide the yearly premium by 12 for a monthly figure, then ask about installment fees or mortgage escrow.
Yearly vs. monthly cost →Homeowners insurance quotes by phone
Free Home Insurance Quotes
Call to talk with a licensed insurance agent who can help you compare homeowners coverage options for your property. Below you can check what a policy covers, what affects the price and what to have ready.
- Free quote
- Licensed agents
- Houses, condos, mobile homes & rentals
We work with local licensed home insurance agents and connect your call with an agent. No online forms.
On the call, ask about
- How the dwelling limit was estimated
- Replacement cost or actual cash value for belongings
- Every deductible, including wind or hail
- What is excluded, such as flood or earthquake
- Inspection, discounts and when coverage would start
Coverage basics
What homeowners insurance usually includes
Most homeowners policies are organized into the sections below. Names, limits and exclusions differ by insurer and policy form, so compare quotes section by section.
- Dwelling
- The house itself. The limit should reflect what it would cost to rebuild, which is not the same as the sale price.
- Other structures
- Detached garages, fences and sheds, usually with a separate limit.
- Personal property
- Belongings. Check whether losses are settled at replacement cost or actual cash value, and any special limits.
- Loss of use
- Extra living costs if a covered loss makes the home unlivable, subject to the policy limits.
- Personal liability
- Claims that you are legally responsible for injury or damage to others, up to the limit you choose.
- Deductibles
- What you pay before the policy pays. Some policies have separate wind, hail or percentage deductibles.
Often excluded or sold separately:Flood, Earthquake, Sewer or drain backup. Ask how each is handled before you rely on a quote.
Cost
How much is home insurance?
There is no single price that fits every home, and averages rarely match your coverage choices. Quotes typically reflect:
- The home: size, construction, roof, age, condition and updates
- Where it is and the risks at that address
- The limits, settlement basis and endorsements you choose
- Your deductibles, including any separate wind or hail deductible
- Claims history and how the home is occupied
Before you call
What to have ready
- 1The property: address, approximate size, year built, construction and roof or system updates.
- 2How it is used: primary home, rental, second home or currently vacant.
- 3Your current policy: declarations page, renewal date and any lender requirements.
- 4What you want compared: limits, deductibles and extra coverage to discuss.
Missing a detail? You can still call. A call is not an offer of coverage or confirmation that a policy is in effect.
Quick answers
Before you ask for a home insurance quote
Short answers to common quote questions, with a link to the full guide.
When should I get a quote?
Soon after an accepted offer on a home, when a renewal notice arrives, or after a change such as a new roof. Keep the old policy until the new one is in effect.
Best time to get a quote →Can I get a quote online?
This site has no online quote form. Call to talk with a licensed agent who can ask about your home; any quote can still change after underwriting or inspection.
Phone vs. online quotes →Condo, townhouse or mobile home?
What you insure depends on association documents for condos and townhouses, and on how a manufactured home is installed and used.
Cost by type of home →Should I bundle home and auto?
A bundle can help only if the combined premium and coverage compare well with separate policies. Ask for both totals.
Home and auto bundles →Insuring an older or vacant home?
Roof, wiring, plumbing and occupancy matter. Tell the agent if the home is empty, being renovated or used part of the year.
Older home insurance →By phone
What happens when you call
A conversation lets the agent ask about your specific home instead of relying on a generic online estimate. There are no online forms to fill out.
Describe your home
Share the address, size, age, construction, and roof or system updates. You do not need every detail to start.
Talk through coverage
Explain what you want covered and ask about limits, deductibles, and exclusions that apply to your property.
Compare and decide
Ask for the written quote terms and compare them before deciding. A call or a quote does not start coverage.
Guides by situation
Find the guide for your home
Common questions
Questions worth answering before you buy
State & city guides
Local questions to raise on your call
State and city guides summarize what state regulators and local agencies publish, such as permit records, flood maps and storm guidance, with dated notes on what was checked. Start with your state; each state page links to its city guides.
- Alabama
- Arizona
- Arkansas
- Colorado
- Connecticut
- District of Columbia
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Free Home Insurance Quote
Ready to compare home insurance quotes?
Talk through your home, the coverage you want and the questions on this page with a licensed insurance agent.
- Free quote
- Licensed agents
- By phone, no online forms
We work with local licensed home insurance agents and connect your call with an agent.
Sources and how this page was checked
Page updatedThis page is general information written from the public sources below. It has not been reviewed by an insurance company, attorney or licensed agent for your situation. Your policy form, endorsements, insurer and state rules decide what is covered.
Sources
- Texas Department of Insurance — Home insurance guideRetrieved and reviewed October 14, 2026. Texas consumer guidance; used for general policy concepts, with Texas-specific examples identified rather than generalized.
Before you rely on this page
- Read your declarations page, policy form and every endorsement; they control over any summary.
- Ask the insurer or agent to confirm limits, deductibles and exclusions in writing before you buy or cancel coverage.
- For state rules, deadlines or complaints, check your state insurance department directly.