Here’s how much homeowners insurance costs in each state

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Selecting a homeowners insurance policy is one of the more important purchasing decisions you’ll make after finding a new home.

There are a couple reasons for this: homeowners insurance protects your assets — the home itself, personal property within the home and legal and medical bills if someone is injured on your property. Home insurance is also required by most mortgage companies before they’ll lend to you.

It’s important to have a good grasp of the basics, including what is covered and what isn’t covered. But generally, homeowners insurance premiums are dependent on the state you live in, population density of your town or city, how old your house is and how much it would cost to rebuild.

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What’s the average cost?

Here's how much homeowners insurance costs in each state

Homeowners insurance premium costs differ from state to state for a number of reasons. If a state has a lot of major cities and more densely populated areas, it’s more likely to have higher premiums, as home values are generally higher. States in areas with a higher incidence of natural disasters also generally have higher premiums than states that don’t match that criteria.

The average annual homeowners insurance premiums in 2015 were around $1,100, according to the Insurance Information Institute (III). Click ahead to find out how much the average homeowners insurance premium is in your state. 

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Alabama

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $982

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Arizona

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $810

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Arkansas

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,312

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California

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $986

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Colorado

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,383

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Connecticut

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,411

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Delaware

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $780

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District of Columbia

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,196

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Florida

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,993

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Georgia

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,152

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Hawaii

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,014

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Idaho

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $692

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Illinois

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,033

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Indiana

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $983

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Iowa

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $919

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Kansas

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,531

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Kentucky

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,062

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Louisiana

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,945

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Maine

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $843

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Maryland

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $982

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Massachusetts

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,379

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Michigan

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $908

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Minnesota

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,323

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Mississippi

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,508

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Missouri

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,253

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Montana

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,081

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Nebraska

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,360

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Nevada

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $737

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New Hampshire

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $941

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New Jersey

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,149

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New Mexico

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $982

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New York

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,287

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North Carolina

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,075

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North Dakota

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,200

Image Credit: Courtesy of bismarckstate.edu.

Ohio

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $819

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Oklahoma

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,879

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Oregon

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $643

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Pennsylvania

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $913

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Rhode Island

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,446

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South Carolina

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,284

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South Dakota

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,096

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Tennessee

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,149

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Texas

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,991

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Utah

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $673

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Vermont

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $873

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Virginia

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $946

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Washington

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $811

Image Credit: Snohomish, Washington by Jasperdo (CC BY-NC-ND).

West Virginia

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $907

Image Credit: Downtown Huntington, West Virginia by formulanone (CC BY-NC-SA).

Wisconsin

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $750

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Wyoming

Here's how much homeowners insurance costs in each state

Average homeowners insurance premium: $1,088

If you’re a renter, you’ll still want insurance to protect your belongings. Find out the average renters insurance premium in each state here

This article originally appeared on Policygenius and was syndicated by MediaFeed.org.

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