Home insurance in 2026
Homeowners insurance averages about $2,490 a year for $400,000 of dwelling coverage, based on NerdWallet’s 2026 analysis. Storm-prone states such as Oklahoma, Nebraska and Kansas pay far more, while Hawaii and Vermont pay the least.
A standard policy covers your house, other structures, belongings, extra living costs if you have to move out and personal liability. It doesn’t cover floods or earthquakes, and many policies pay less for older roofs. Insuring for the full cost to rebuild, choosing replacement cost cover and comparing quotes are the keys to getting it right.
Sources: NerdWallet: The average home insurance cost in the U.S. for 2026 (updated May 6, 2026).