Let's compare our Main Single Family Home insurance costs. (Not including Flood Insurance if applicable)

[old medic]

Our old place....
Your State and general location: Western NC
Home Size & Value: 1850 SqFt $115000
Construction Material : Manufactured doublewide
Distance From the Coast (As the Crow Flies): LONG WAY.... 1200 foot above sea level
Located in a Fire Risk area: minimal
Located in an Earthquake Zone: No
Located in a Tornado Zone: minimal
Gated Community with Manned Gates): No
Latest Annual Insurance Payment: $475 in 2018

Our new place...
Your State and general location: A mile from the old place
Home Size & Value: 964 SqFt, + 2 car garage... Tax value $124000
Construction Material stick built in 1973, full remodel over the last few years
Distance From the Coast (As the Crow Flies): 0 flood risk.... Helene just proved it
Located in a Fire Risk area: minimal
Located in an Earthquake Zone: No
Located in a Tornado Zone: minimal

Gated Community with Manned Gates.... no, or HOA

Latest Annual Insurance Payment: None..... Got an Estimate last year for nearly $1300

 

[Crewer]

Your State and general location: Suburban Northeast Ohio
Home Size & Value: 2900 sq ft ($700,000)
Construction Material (Important in Florida): Frame
Distance From the Coast (As the Crow Flies): far, far away not counting Lake Erie
Located in a Fire Risk area: No
Located in an Earthquake Zone: No
Located in a Tornado Zone: No

Gated Community with Manned Gates): NO

Latest Annual Insurance Payment: $1700 due next month (up about $300 from last year)

I should probably raise my deductible

 

[kgtest]

I pay $2200 annually, just WENT UP the last renewal was only at 2000. Let's hope it doesn't go up another 10% next year. Or it will start cutting into the grocery expense .

 

[Ian S]

Your State and general location: Arizona, Sedona
Home Size & Value: 2900 Square Feet ($950,000)
Construction Material (Important in Florida): sticks and stucco; tile roof
Distance From the Coast (As the Crow Flies): ~350 miles
Located in a Fire Risk area: Yes
Located in an Earthquake Zone: No
Located in a Tornado Zone: No

Gated Community with Manned Gates): No

Latest Annual Insurance Payment: $877 includes a multi-policy discount

 

[marinauser]

Your State and general location: Chicago, IL area
Home Size & Value: 4 Story townhouse ($950,000)
Construction Material (Important in Florida): Brick
Distance From the Coast (As the Crow Flies): 1000 miles but very near river river flowing out of Lake Michigan and 0.7 miles from Lake Michigan
Located in a Fire Risk area: No
Located in an Earthquake Zone: No
Located in a Tornado Zone: No
No gated - city streets

Latest Annual Insurance Payment: $2,150 for year with additional $1,000 for umbrella

Location dictates that land value is above average as compared to cost to rebuild. No flood insurance.

 

[AudiDudi]

Your State and general location: Middle of nowhere, Montana
Home Size & Value: 1800 sq on 25 acres $500k
Construction Material (Important in Florida): Wood
Distance From the Coast (As the Crow Flies): 550
Located in a Fire Risk area: Maybe
Located in an Earthquake Zone: No
Located in a Tornado Zone: No
No gated - city streets

Latest Annual Insurance Payment: $2,050

 

[Jerry1]

Your State and general location: Michigan
Home Size & Value: 1700sqft $375,000
Construction Material (Important in Florida): Brick
Distance From the Coast (As the Crow Flies): A long way
Located in a Fire Risk area: No
Located in an Earthquake Zone: No
Located in a Tornado Zone: No
No gated - city streets

Latest Annual Insurance Payment: $900

 

[RetiredHappy]

Your State and general location: California
Home Size & Value: 2,950 sq ft; $1.4MM
Construction Material: wood frame & stucco
Distance From the Coast (As the Crow Flies): 400 miles
Located in a Fire Risk area: No
Located in an Earthquake Zone: No
Located in a Tornado Zone: No
Gated entrance, unmanned

Latest Annual Insurance Payment: $14,000

Zowie! Why so high? My million dollar property here (not in CA) only costs $1.6K in homeowner insurance.