HHOMECOSTGRIDAsk HomeCostGrid

Home/Insurance

HOME · CAR · RENTERS · FLOOD · LIABILITY

Insurance is a cost. Let’s make it a number you can actually plan.

Start with validated state benchmarks, then compare identical coverage at your exact address. We keep historical data and live quotes clearly separated.

Choose your state ↓
01 · HOME

Homeowners insurance

Compare dwelling limits, replacement-cost terms, deductibles, exclusions and catastrophe coverage.

  • Is the roof settled at replacement cost or actual cash value?
  • Are wind, hail or named-storm deductibles separate?
  • How much ordinance-or-law coverage is included?
02 · CAR

Auto insurance

Compare the same liability limits, deductibles, drivers, vehicles and annual mileage across carriers.

  • Are uninsured/underinsured motorist limits matched?
  • Do collision and comprehensive deductibles match?
  • Which discounts expire or require telematics?
03 · LIFE

Renters insurance

Protect belongings and liability while checking replacement cost, sublimits and temporary living expenses.

  • Are belongings covered at replacement cost?
  • What are the jewelry and electronics sublimits?
  • Is water backup optional?
04 · ADDRESS RISK

Flood insurance

Home and renters policies generally do not cover flood; check the exact address and separate coverage.

  • What does the FEMA map show for this address?
  • Is building and contents coverage needed?
  • Does the quote include a waiting period?
05 · LIABILITY

Umbrella insurance

Add liability above qualifying home and auto policies after checking required underlying limits.

  • What underlying limits are required?
  • Are rental homes, boats or young drivers included?
  • Which lawsuits or business activities are excluded?
STATE BENCHMARKS, NOT QUOTES

See where reported auto expenditure sat in 2023.

Coverage requirements, driver profiles, vehicles and carrier markets differ. Treat this as a research map—not a “cheapest state” verdict.

51 LOCAL INSURANCE DESKS

Open your state’s home and auto cost profile.

Each page pairs source definitions, quote questions, regulator links and address-level risk checks.

ALAlabama$1,748HO-3$1,081auto→AKAlaska$1,129HO-3$1,113auto→AZArizona$1,018HO-3$1,344auto→ARArkansas$1,740HO-3$1,051auto→CACalifornia$1,492HO-3$1,225auto→COColorado$2,079HO-3$1,453auto→CTConnecticut$1,814HO-3$1,394auto→DEDelaware$1,103HO-3$1,462auto→DCDistrict of Columbia$1,384HO-3$1,677auto→FLFlorida$2,677HO-3$1,865auto→GAGeorgia$1,655HO-3$1,555auto→HIHawaii$1,431HO-3$888auto→IDIdaho$1,002HO-3$864auto→ILIllinois$1,343HO-3$1,153auto→INIndiana$1,191HO-3$926auto→IAIowa$1,268HO-3$873auto→KSKansas$1,583HO-3$973auto→KYKentucky$1,359HO-3$1,046auto→LALouisiana$2,603HO-3$1,754auto→MEMaine$1,077HO-3$856auto→MDMaryland$1,392HO-3$1,477auto→MAMassachusetts$1,871HO-3$1,326auto→MIMichigan$1,056HO-3$1,444auto→MNMinnesota$1,774HO-3$1,103auto→MSMississippi$1,907HO-3$1,200auto→MOMissouri$1,668HO-3$1,155auto→MTMontana$1,639HO-3$975auto→NENebraska$1,869HO-3$981auto→NVNevada$948HO-3$1,462auto→NHNew Hampshire$1,188HO-3$987auto→NJNew Jersey$1,417HO-3$1,573auto→NMNew Mexico$1,322HO-3$1,082auto→NYNew York$1,628HO-3$1,753auto→NCNorth Carolina$1,621HO-3$925auto→NDNorth Dakota$1,325HO-3$808auto→OHOhio$995HO-3$947auto→OKOklahoma$2,268HO-3$1,084auto→OROregon$893HO-3$1,170auto→PAPennsylvania$1,120HO-3$1,155auto→RIRhode Island$2,074HO-3$1,540auto→SCSouth Carolina$1,571HO-3$1,367auto→SDSouth Dakota$1,756HO-3$937auto→TNTennessee$1,492HO-3$1,050auto→TXTexas$2,397HO-3$1,429auto→UTUtah$937HO-3$1,169auto→VTVermont$1,109HO-3$893auto→VAVirginia$1,332HO-3$1,114auto→WAWashington$1,151HO-3$1,153auto→WVWest Virginia$1,113HO-3$1,063auto→WIWisconsin$957HO-3$922auto→WYWyoming$1,596HO-3$948auto→
READ THE LABEL

Premium, expenditure and quote are not the same thing.

Average premium

Reported premium divided by exposures for a defined policy form, such as HO-3.

Average expenditure

NAIC’s auto measure uses written premium and liability exposures; not every insured vehicle carries collision or comprehensive.

Your quote

A carrier’s price for your address, drivers, property, limits, deductibles and underwriting profile today.

State comparisons are imperfect because coverage choices, risks and markets differ. Always verify current terms before buying.

BUILD A RANGETurn a project into a realistic budget.COMPARE CITIESBellevue vs Gilbert: home, transport and daily-life tradeoffs.WHICH CAR?Match the vehicle to your city, home and real annual cost.
CURIOUS WHAT COMES NEXT?

These pages pick up where this one leaves off, so you can answer the next question without starting over.

01 · InsuranceIndiana flag

Indiana home and auto insurance costs

IN · official state benchmarks

Keep reading
02 · State CostWest Virginia flag

West Virginia home cost guide

WV · South · Mixed climate

Keep reading
03 · Property Tax

Property Taxes by State

Rates and homeowner planning

Keep reading
04 · Cars by CityA practical vehicle for city and suburban life

Best car fit for State College

Pennsylvania driving guide

Keep reading