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The Cost of Homeowner's Insurance

Price 
Location 
Submitted by  
Description
$ 1362
Jul 2007
Mississippi
8 year old home, 1665 sq. ft.
Comprehensive homeowner's coverage  more... close row
$ 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

Description of service

My homeowners is $940.00 for one year of coverage. It costs $809.00 for property coverages(dwelling: $224,000; other structures: $22,400; personal property: $156,000; loss of use: $67,200) and liability coverages (bodily injury: $100,000; medical payments to others: $1,000 for each person). It costs a other $131.00 for a value added package, which includes $60,000 worth coverage for special provisions such as fungi, microbes, and rot remediation. This is coverage for 2200 square foot house with a purchase price of $179,000.00.


Review of Service

We bought our homeowners insurance from the same company that we purchased our business and automobile insurance. Although we didn't compare prices, they've always had good rates in the past. They also offer multiple policy discounts. I think that it is probably a good price for the amount of coverage in our policy. Our mortgage company requires that the insurance company bill them and the price of the insurance is added to our monthly mortgage payments, which is very convenient.


Tips

Make sure that youread the insurance policy that you are familar with the details and know exactly what is being covered and how much coverage your getting. I think that buying insurance from a company that you know and trust is very important. I prefer buying from local companies, even if it costs a little more.


$ 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