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United States
2018
*The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.
**Data provided by the California Department of Insurance.
According to the source, based on the HO-3 homeowner package policy for owner occupied dwellings, 1 to 4 family units. Provides all risks 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.
Average premium = Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling.
