Sorry, you need to enable JavaScript to visit this website.

Current Table

Average Homeowners Insurance Premiums Ranked By State, 2018 (1)
Export To Excel

 

Rank (2) State Average premium Rank (2) State Average premium
1 Louisiana $1,987 27 Hawaii $1,140
2 Florida 1,960 28 Illinois 1,103
3 Texas (3) 1,955 29 North Carolina 1,103
4 Oklahoma 1,944 30 New Mexico 1,075
5 Rhode Island 1,630 31 California (4) 1,073
6 Kansas 1,617 32 Maryland 1,071
7 Colorado  1,616 32 Indiana 1,030
8 Mississippi 1,578 32 Virginia  1,026
9 Nebraska 1,569 35 Iowa 987
10 Massachusetts 1,543 36 Alaska 984
11 Connecticut 1,494 37 New Hampshire 984
12 Arkansas 1,419 38 Michigan 981
13 Alabama 1,409 39 West Virginia 970
14 Minnesota 1,400 40 Pennsylvania 943
15 Missouri 1,383 41 Vermont 935
16 New York 1,321 42 Maine 905
17 Georgia 1,313 43 Washington 881
18 North Dakota 1,293 44 Ohio 874
19 South Carolina 1,284 45 Delaware 873
20 South Dakota 1,280 46 Arizona  843
21 District Of Columbia 1,264 47 Wisconsin 814
21 Montana 1,237 48 Nevada 776
23 Tennessee 1,232 49 Idaho 772
24 New Jersey 1,209 50 Utah 730
25 Wyoming 1,187 51 Oregon 706
26 Kentucky 1,152   United States $1,249

(1) Includes policies written by Florida Citizens Property Insurance Corp. and Louisiana Citizens Property Insurance Corp., Alabama Insurance Underwriting Association, Massachusetts Property Insurance Underwriting Association, Michigan Basic Property Insurance Association, Mississippi Windstorm Underwriting Association and Residential Property Insurance Underwriting Association, New Jersey Insurance Underwriting Association, North Carolina Joint Underwriting Association, Ohio Fair Plan Underwriting Association, Rhode Island Joint Reinsurance Association and South Carolina Wind and Hail Underwriting Association, and Virginia Property Insurance Association. Other southeastern states have wind pools in operation and their data may not be included in this chart. Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) States with the same premium receive the same rank.
(3) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.
(4) Data provided by the California Department of Insurance.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: © 2020 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 

Archived Tables

AVERAGE HOMEOWNERS INSURANCE PREMIUMS BY STATE, 2010 (1)
Export To Excel
Rank State Average premium Rank State Average premium
1 Texas $1,560 26 New Hampshire $791
2 Louisiana 1,546 27 Maryland 784
3 Florida 1,544 28 Montana 783
4 Oklahoma 1,246 29 Kentucky 776
5 Mississippi 1,217 30 New Mexico 774
6 Rhode Island 1,092 31 North Carolina 757
7 Kansas 1,066 32 Virginia  753
8 D.C. 1,065 33 Indiana 748
9 Connecticut 1,052 33 Wyoming 748
10 Alabama 1,050 34 Michigan 743
10 Massachusetts 1,050 35 Vermont 730
11 New York 1,044 36 Pennsylvania 716
12 South Carolina 997 37 West Virginia 699
13 Arkansas 984 38 Nevada 696
14 Minnesota 981 39 Iowa 679
15 Missouri 970 40 South Dakota 678
16 California  939 41 Maine 676
17 Hawaii 938 42 Arizona  666
18 Colorado  926 43 Delaware 636
19 Alaska 903 44 Ohio 614
20 Nebraska 901 45 Washington 595
21 North Dakota 895 46 Wisconsin 563
22 New Jersey 867 47 Utah 558
23 Tennessee 852 48 Oregon 535
24 Georgia 833 49 Idaho 500
25 Illinois 793      

(1) Ranked from highest to lowest. States with the same premium receive the same rank.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: ©2012 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
AVERAGE HOMEOWNERS INSURANCE PREMIUMS RANKED BY STATE, 2011 (1)
Export To Excel
Rank State Average premium Rank State Average premium
1 Florida $1,933 26 Kentucky $839
2 Louisiana 1,672 27 Illinois 822
3 Texas (2) 1,578 28 Montana 818
4 Mississippi 1,409 29 New Hampshire 811
5 Oklahoma 1,386 30 Maryland 800
6 Alabama 1,163 31 New Mexico 793
7 Rhode Island 1,139 32 Virginia  782
8 Kansas 1,103 33 Indiana 779
9 New York 1,097 34 Michigan 774
10 Connecticut 1,096 35 Wyoming 770
11 South Carolina 1,091 36 Vermont 748
12 D.C. 1,083 37 Pennsylvania 744
13 Massachusetts 1,072 38 West Virginia 743
14 Minnesota 1,056 39 South Dakota 721
15 Arkansas 1,029 40 Maine 714
16 Missouri 1,022 41 Iowa 713
17 North Dakota 969 42 Nevada 689
18 California (3) 967 43 Arizona  675
19 Colorado  961 44 Delaware 664
20 Nebraska 958 45 Ohio 644
21 Alaska 924 46 Washington 626
22 New Jersey 915 47 Wisconsin 592
22 Tennessee 915 48 Utah 563
23 Hawaii 907 49 Oregon 559
24 Georgia 906 50 Idaho 518
25 North Carolina 869      

(1) Includes policies written by Citizens Property Insurance Corp. (Florida) and Citizens Property Insurance Corp. (Louisiana), Alabama Insurance Underwriting Association, Mississippi Windstorm Underwriting Association, North Carolina Joint Underwriting Association and South Carolina Wind and Hail Underwriting Association. Other southeastern states have wind pools in operation and their data may not be included in this chart. Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides "all risks" coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.
(3) Data provided by the California Department of Insurance.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: ©2013 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
AVERAGE HOMEOWNERS INSURANCE PREMIUMS RANKED BY STATE, 2012 (1)
Export To Excel
Rank (2) State Average premium Rank (2) State Average premium
1 Florida $2,084 27 Kentucky $916
2 Louisiana 1,742 28 Illinois 881
3 Texas (3) 1,661 29 Montana 871
4 Oklahoma 1,501 30 New Hampshire 848
5 Mississippi 1,314 31 New Mexico 844
6 Alabama 1,248 32 Virginia  843
7 Rhode Island 1,233 33 Indiana 840
8 Kansas 1,213 34 Maryland 837
9 Connecticut 1,160 35 Wyoming 821
10 New York 1,158 36 Pennsylvania 804
11 Massachusetts 1,150 37 Michigan 802
12 Minnesota 1,140 38 South Dakota 789
13 South Carolina 1,134 39 Vermont 782
14 D.C. 1,103 40 Iowa 779
15 Arkansas 1,096 41 West Virginia 771
16 Missouri 1,091 42 Maine 741
17 Nebraska 1,040 43 Ohio 721
18 Colorado  1,038 44 Arizona  691
18 North Dakota 1,038 45 Delaware 678
20 Tennessee 1,008 46 Nevada 674
21 New Jersey 981 47 Washington 648
22 California (4) 980 48 Wisconsin 631
23 Georgia 975 49 Utah 580
24 Hawaii 957 50 Oregon 567
25 Alaska 942 51 Idaho 538
26 North Carolina 927      

(1) Includes policies written by Citizens Property Insurance Corp. (Florida) and Louisiana Citizens Property Insurance Corp., Alabama Insurance Underwriting Association, Mississippi Windstorm Underwriting Association and Residential Property Insurance Underwriting Association, North Carolina Joint Underwriting Association and South Carolina Wind and Hail Underwriting Association. Other southeastern states have wind pools in operation and their data may not be included in this chart. Based on the HO-3 homeowner package policy for owner-occupied dwellings, one- to four-family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property and is the most common package written.
(2) States with the same premium receive the same rank.
(3) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Insurance Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.
(4) Data provided by the California Department of Insurance.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: © 2015 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
AVERAGE HOMEOWNERS INSURANCE PREMIUMS RANKED BY STATE, 2013 (1)
Export To Excel
Rank (2) State Average premium Rank (2) State Average premium
1 Florida $2,115 27 Hawaii $953
2 Texas (3) 1,837 28 Wyoming 952
3 Louisiana 1,822 29 Illinois 938
4 Oklahoma 1,654 29 Montana 938
5 Mississippi 1,395 31 South Dakota 915
6 Kansas 1,343 32 Virginia  911
7 Rhode Island 1,334 33 Maryland 904
8 Alabama 1,323 34 New Mexico 898
9 Connecticut 1,274 35 Indiana 887
10 Massachusetts 1,263 36 New Hampshire 885
11 Minnesota 1,222 37 Pennsylvania 863
12 South Carolina 1,214 38 West Virginia 844
13 New York 1,213 39 Michigan 839
14 Arkansas 1,183 40 Iowa 832
15 Colorado  1,160 41 Vermont 814
16 Nebraska 1,151 42 Maine 776
17 D.C. 1,150 43 Ohio 763
18 Missouri 1,143 44 Arizona  724
19 Tennessee 1,090 45 Delaware 709
20 North Dakota 1,078 46 Nevada 687
21 New Jersey 1,058 47 Washington 676
22 Georgia 1,044 48 Wisconsin 665
23 North Carolina 1,008 49 Utah 609
24 Kentucky 981 50 Oregon 568
25 Alaska 980 51 Idaho 561
26 California (4) 966      

(1) Includes policies written by Florida Citizens Property Insurance Corp. and Louisiana Citizens Property Insurance Corp., Alabama Insurance Underwriting Association, Massachusetts Property Insurance Underwriting Association, Michigan Basic Property Insurance Association, Mississippi Windstorm Underwriting Association and Residential Property Insurance Underwriting Association, New Jersey Insurance Underwriting Association, North Carolina Joint Underwriting Association, Ohio Fair Plan Underwriting Association, Rhode Island Joint Reinsurance Association and South Carolina Wind and Hail Underwriting Association. Other southeastern states have wind pools in operation and their data may not be included in this chart. Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) States with the same premium receive the same rank.
(3) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.
(4) Data provided by the California Department of Insurance.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: © 2016 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
Average Homeowners Insurance Premiums Ranked By State, 2014 (1)
Export To Excel

 

Rank (2) State Average premium Rank (2) State Average premium
1 Florida $2,055 27 Montana $1,003
2 Texas (3) 1,947 28 South Dakota 995
3 Louisiana 1,847 29 Illinois 987
4 Oklahoma 1,772 29 Alaska 976
5 Mississippi 1,447 31 California (4) 974
6 Kansas 1,431 32 Virginia  946
7 Rhode Island 1,398 33 Indiana 944
8 Alabama 1,340 34 Maryland 942
9 Connecticut 1,337 35 New Mexico 937
10 Massachusetts 1,314 36 New Hampshire 905
11 Colorado  1,273 37 Pennsylvania 893
12 New York 1,256 38 West Virginia 877
13 Arkansas 1,252 39 Michigan 865
14 South Carolina 1,240 40 Iowa 853
15 Nebraska 1,226 41 Vermont 844
16 Minnesota 1,219 42 Maine 811
17 Missouri 1,199 43 Ohio 797
18 D.C. 1,151 44 Arizona  765
19 Tennessee 1,139 45 Delaware 736
20 North Dakota 1,136 46 Nevada 704
21 New Jersey 1,092 47 Washington 695
22 Georgia 1,089 48 Wisconsin 686
23 North Carolina 1,056 49 Utah 634
24 Kentucky 1,023 50 Idaho 590
25 Wyoming 1,021 51 Oregon 574
26 Hawaii 1,018      

(1) Includes policies written by Florida Citizens Property Insurance Corp. and Louisiana Citizens Property Insurance Corp., Alabama Insurance Underwriting Association, Massachusetts Property Insurance Underwriting Association, Michigan Basic Property Insurance Association, Mississippi Windstorm Underwriting Association and Residential Property Insurance Underwriting Association, New Jersey Insurance Underwriting Association, North Carolina Joint Underwriting Association, Ohio Fair Plan Underwriting Association, Rhode Island Joint
Reinsurance Association and South Carolina Wind and Hail Underwriting Association, and Virginia Property Insurance Association. Other southeastern states have wind pools in operation and their data may not be included in this chart. Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) States with the same premium receive the same rank.
(3) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.
(4) Data provided by the California Department of Insurance.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: © 2017 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
Average Homeowners Insurance Premiums Ranked By State, 2015 (1)
Export To Excel
Rank (2) State Average premium Rank (2) State Average premium
1 Florida $1,993 27 Kentucky $1,062
2 Texas 1,991 28 Illinois 1,033
3 Louisiana 1,945 29 Hawaii 1,014
4 Oklahoma 1,879 30 California  986
5 Kansas 1,531 31 Indiana 983
6 Mississippi 1,508 32 Alaska 982
7 Rhode Island 1,446 32 Maryland 982
8 Connecticut 1,411 32 New Mexico 982
9 Colorado  1,383 35 Virginia  946
10 Massachusetts 1,379 36 New Hampshire 941
11 Nebraska 1,360 37 Iowa 919
12 Alabama 1,358 38 Pennsylvania 913
13 Minnesota 1,323 39 Michigan 908
14 Arkansas 1,312 40 West Virginia 907
15 New York 1,287 41 Vermont 873
16 South Carolina 1,284 42 Maine 843
17 Missouri 1,253 43 Ohio 819
18 North Dakota 1,200 44 Washington 811
19 District Of Columbia 1,196 45 Arizona  810
20 Georgia 1,152 46 Delaware 780
21 New Jersey 1,149 47 Wisconsin 750
21 Tennessee 1,149 48 Nevada 737
23 South Dakota 1,096 49 Idaho 692
24 Wyoming 1,088 50 Utah 673
25 Montana 1,081 51 Oregon 643
26 North Carolina 1,075      

(1) Includes policies written by Florida Citizens Property Insurance Corp. and Louisiana Citizens Property Insurance Corp., Alabama Insurance Underwriting Association, Massachusetts Property Insurance Underwriting Association,
Michigan Basic Property Insurance Association, Mississippi Windstorm Underwriting Association and Residential Property Insurance Underwriting Association, New Jersey Insurance Underwriting Association, North Carolina Joint Underwriting Association, Ohio Fair Plan Underwriting Association, Rhode Island Joint Reinsurance Association and South Carolina Wind and Hail Underwriting Association, and Virginia Property Insurance Association. Other southeastern states have wind pools in operation and their data may not be included in this chart. Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all    risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.                        
(2) States with the same premium receive the same rank.                        
(3) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.                        
(4) Data provided by the California Department of Insurance.                        
                        
Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.                        
                        
Source: © 2017 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.   

 
Average Homeowners Insurance Premiums Ranked By State, 2016 (1)
Export To Excel

 

Rank (2) State Average premium Rank (2) State Average premium
1 Louisiana $1,967 27 Kentucky $1,085
2 Texas (3) 1,937 28 Illinois 1,042
3 Florida 1,918 29 Hawaii 1,026
4 Oklahoma 1,875 30 Maryland 1,022
5 Kansas 1,548 31 Indiana 1,003
6 Mississippi 1,525 32 California (4) 1,000
7 Rhode Island 1,496 32 New Mexico 996
8 Connecticut 1,455 32 Alaska 974
9 Massachusetts 1,451 35 Virginia  966
10 Colorado  1,446 36 New Hampshire 965
11 Nebraska 1,402 37 Michigan 952
12 Alabama 1,386 38 Iowa 945
13 Arkansas 1,348 39 Pennsylvania 927
14 Minnesota 1,340 40 West Virginia 917
15 New York 1,309 41 Vermont 898
16 South Carolina 1,285 42 Maine 866
17 Missouri 1,280 43 Ohio 850
18 North Dakota 1,239 44 Washington 822
19 District Of Columbia 1,225 45 Delaware 816
20 Georgia 1,200 46 Arizona  803
21 Tennessee 1,185 47 Wisconsin 762
21 New Jersey 1,174 48 Nevada 742
23 Montana 1,130 49 Idaho 703
24 South Dakota 1,125 50 Utah 664
25 Wyoming 1,120 51 Oregon 659
26 North Carolina 1,098   United States $1,192

(1) Includes policies written by Florida Citizens Property Insurance Corp. and Louisiana Citizens Property Insurance Corp., Alabama Insurance Underwriting Association, Massachusetts Property Insurance Underwriting Association, Michigan Basic Property Insurance Association, Mississippi Windstorm Underwriting Association and Residential Property Insurance Underwriting Association, New Jersey Insurance Underwriting Association, North Carolina Joint Underwriting Association, Ohio Fair Plan Underwriting Association, Rhode Island Joint Reinsurance Association and South Carolina Wind and Hail Underwriting Association, and Virginia Property Insurance Association. Other southeastern states have wind pools in operation and their data may not be included in this chart. Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) States with the same premium receive the same rank.
(3) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.
(4) Data provided by the California Department of Insurance.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: © 2018 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
Average Homeowners Insurance Premiums Ranked By State, 2017 (1)
Export To Excel

 

Rank (2) State Average premium Rank (2) State Average premium
1 Louisiana $1,968 27 Hawaii $1,102
2 Florida 1,951 28 North Carolina 1,086
3 Texas (3) 1,893 29 Illinois 1,056
4 Oklahoma 1,885 30 Maryland 1,037
5 Kansas 1,584 31 New Mexico 1,017
6 Rhode Island 1,551 32 California  1,008
7 Mississippi 1,537 32 Indiana 1,000
8 Colorado  1,495 32 Virginia  999
9 Massachusetts 1,488 35 New Hampshire 972
10 Nebraska 1,481 36 Iowa 964
11 Connecticut 1,479 37 Alaska 959
12 Alabama 1,433 38 Michigan 942
13 Arkansas 1,373 39 West Virginia 940
14 Minnesota 1,348 40 Pennsylvania 931
15 New York 1,309 41 Vermont 918
16 Missouri 1,285 42 Maine 882
17 South Carolina 1,269 43 Ohio 862
18 Georgia 1,267 44 Washington 854
19 North Dakota 1,253 45 Delaware 833
20 District of Columbia 1,235 46 Arizona  825
21 South Dakota 1,202 47 Wisconsin 779
21 Tennessee 1,196 48 Nevada 755
23 New Jersey 1,192 49 Idaho 730
24 Montana 1,174 50 Utah 692
25 Wyoming 1,156 51 Oregon 677
26 Kentucky 1,109   United States $1,211

(1) Includes policies written by Florida Citizens Property Insurance Corp. and Louisiana Citizens Property Insurance Corp., Alabama Insurance Underwriting Association, Massachusetts Property Insurance Underwriting Association, Michigan Basic Property Insurance Association, Mississippi Windstorm Underwriting Association and Residential Property Insurance Underwriting Association, New Jersey Insurance Underwriting Association, North Carolina Joint Underwriting Association, Ohio Fair Plan Underwriting Association, Rhode Island Joint Reinsurance Association and South Carolina Wind and Hail Underwriting Association, and Virginia Property Insurance Association. Other southeastern states have wind pools in operation and their data may not be included in this chart. Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) States with the same premium receive the same rank.
(3) Texas data were obtained from the Texas Department of Insurance.
(4) Data provided by the California Department of Insurance.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: © 2019 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.