Homeowners insurance is a necessary evil that most people can’t live without.
Homeowners insurance is a necessary evil that most people can’t live without. According to insurance.com, the average homeowner in 2025 pays $2,601 a year for their insurance.
But how do insurance underwriters determine how much you will pay? There are numerous factors that go into establishing your premium.
Where Your House Is Located
Your state and your ZIP code are factors when determining your insurance rate. For example, according to insurance.com, Oklahoma had the highest homeowner’s insurance rates in 2025. The average rate in Oklahoma for a $300,000 home is $5,858 per year. The main reason is the abundance of storms with severe property losses.
