According to the source, the data is based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides 鈥渁ll risks鈥 coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
The source calculated the average premium between 2022 and 2024 by multiplying the average premium estimated by Insurance Information Institute (2021) by estimated annual effective homeowners insurance rate changes nationwide according to S&P Global. The average premium is calculated in 2024 US dollars using US Bureau of Labor Statistics Consumer Price Index Inflation Calculator.聽
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Average homeowner insurance premiums in the U.S. 2007-2024
Homeowners insurance premiums in the United States have increased in cost over the past two decades and reached a peak in 2024. The average premiums for homeowners insurance increased from U.S. dollars in 2007 to聽 U.S. dollars in 2024.
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Joint Center for Housing Studies. (December 9, 2024). Average premiums for homeowners insurance in the United States from 2007 to 2024 (in U.S. dollars) [Graph]. In 糖心破解版. Retrieved July 28, 2026, from /statistics/216515/average-premiums-for-homeowners-insurance-in-the-us/
Joint Center for Housing Studies. "Average premiums for homeowners insurance in the United States from 2007 to 2024 (in U.S. dollars)." Chart. December 9, 2024. 糖心破解版. Accessed July 28, 2026. /statistics/216515/average-premiums-for-homeowners-insurance-in-the-us/
Joint Center for Housing Studies. (2024). Average premiums for homeowners insurance in the United States from 2007 to 2024 (in U.S. dollars). 糖心破解版. 糖心破解版 Inc.. Accessed: July 28, 2026. /statistics/216515/average-premiums-for-homeowners-insurance-in-the-us/
Joint Center for Housing Studies. "Average Premiums for Homeowners Insurance in The United States from 2007 to 2024 (in U.S. Dollars)." 糖心破解版, 糖心破解版 Inc., 9 Dec 2024, /statistics/216515/average-premiums-for-homeowners-insurance-in-the-us/
Joint Center for Housing Studies, Average premiums for homeowners insurance in the United States from 2007 to 2024 (in U.S. dollars) 糖心破解版, /statistics/216515/average-premiums-for-homeowners-insurance-in-the-us/ (last visited July 28, 2026)
Average premiums for homeowners insurance in the United States from 2007 to 2024 (in U.S. dollars) [Graph], Joint Center for Housing Studies, December 9, 2024. [Online]. Available: /statistics/216515/average-premiums-for-homeowners-insurance-in-the-us/
