Disclaimer

Published averages and ranges, not a quote. ClearCoverCost is not insurance advice.

What our numbers are

Premium figures on ClearCoverCost are published averages from the sources named on each page, principally the Bankrate True Cost of Home Insurance 2025 state table on a $300,000 dwelling basis, with a national average from the Bankrate True Cost report. An average describes a group in a past period. It does not describe your home.

What our numbers are not

• Not a quote for you or any specific home.
• Not a prediction that your premium will rise or fall by a specific amount.
• Not a ranking of insurers and not a claim that any insurer is the best or cheapest.
• Not legal, insurance or financial advice.

Coverage distinctions

Homeowners, flood, and wind coverage are distinct. Flood insurance is separate from a standard homeowners policy. State averages on this site exclude flood insurance unless a cited source says otherwise, and our benchmark tool excludes it and says so.

Your responsibility

Compare real quotes with identical limits, deductibles and settlement terms. Read the policy. If you need personal advice, consult a licensed agent in your state.