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The Cost of Homeowner's Insurance

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$ 28
Jun 2007
marana, az
new home 2400sq. ft. 4 bed
Insurance for our new home  more... close row
$ 940
Mar 2008
Rainbow City, AL
6 years old; 2200 square feet
Insurance paid through mortgage holder  more... close row
$ 1362
Jul 2007
8 year old home, 1665 sq. ft.
Comprehensive homeowner's coverage  more... close row

Description of service

I currently have homeowner’s insurance with a company I have dealt with for over a decade. The annual premium if $1362.00. My coverage is for a single family dwelling with majority brick and a metal roof. I am outside of the city limits, but less than 5 miles from a fire station. I have no other high cost factors such as swimming pool, trampoline, aggressive dog, etc. The home’s livable square footage is 1665 square feet. My coverage is as follows: dwelling - $135,000; other structures – 6.750; personal property - $67,500; additional living - $13,500; personal liability - $100,000 per occurrence; medical - $1,000. My deductible is $1000. Damage by flooding is not covered.

Review of Service

While I am pleased with the service I receive from my agent, I am rather unhappy with my rates. I feel they are well above the national average for my value home and have increased substantially since my home was built 8 years ago. I am still with this company, however, because I feel my options are limited in a post-Katrina Mississippi environment. The number of companies who actually offer insurance in the state is limited. I have no review of the actual claim service as I have never used my homeowner’s insurance. I have had an auto claim with this company, however, and was very pleased with the way it was handled.


If you are in an area with ample competition I definitely advised shopping every few years. Also it is often best to have your home, auto and life insurances all with the same company as you may receive discounts. Keep abreast of your home’s value and make sure that your coverage is adequate for the actual cost you have to rebuild if you lost your home.

$ 477
Feb 2008
Long Beach, CA
57 years, approximately 1200 sq ft
Annual homeowners' policy premium  more... close row
$ 420
Nov 2007
Indianapolis, IN
15 years old, 1950 sq. feet
Property, home and liability insurance  more... close row
$ 294
Sep 2007
San Jose, CA
20 years old, approx. 1000 sq ft
Annual premiums for insuring a condo  more... close row
$ 400
Jan 2008
Phoenix, AZ
2500 square feet, built 1982
Liability, damage and theft coverage  more... close row
$ 457
Mar 2008
grundy va
2006 southern estates mobile home with 2446 square feet.
New homeowners insurance with same coverage  more... close row
$ 1021
Mar 2008
Garland, TX
29 years old and 1550 sq ft.
Homeowners insurance doesn't cover many things  more... close row
$ 1211
Mar 2008
Boiling Springs, SC
Coverage for home with a pool  more... close row