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insurance rates vary greatly across the country . one reason location plays into the cost in multiple ways . for starters home insurance rates are set at the state level and apply to large numbers of people . providers start with these rates and then customize them using many factors including the replacement cost of your home the risk posed by its location and your claims and credit history to decide how much you should pay for coverage . that amount is your home insurance premium not your home insurance rate . view our interactive map to see the average home insurance premiums in your state . home insurance faq what does my policy cover can i own a home without homeowners insurance if i m escrowing my home insurance how do i cancel mid term how can i save money on my home insurance do i need separate coverage for jewelry see all faq cost calculator the replacement cost of your home will determine how much dwelling coverage you need on your home . calculate your home s replacement cost to see how much dwelling coverage you may need . try the calculator home inventory checklist don t wait until your home is damaged to catalog your belongings . keep a home inventory and help reduce claims processing time . download a free home inventory checklist . download now our partners get started with a quote home blog the latest industry news and updates mar 04 don t rely on the luck of the irish make sure your property is protected on st. patrick s day st. patrick s day is one of the most popular holidays in the united states with roughly 97 % of the population planning to celebrate each year ... read more nov 10 top 15 cities in the u.s. melting pot thanksgiving is the time for gathering friends and family blending cultures giving thanks and feasting on a spread that would satisfy the most regal of ... read more nov 05 beef up your backyard this fall temperatures continue to dip but that doesn t mean outdoor fun has to come to a screeching halt . you can still find plenty of ways to ... read more get started with a quote homeowners tools & tips more resources for the savvy insurance shopper research center want to know what s happening with home insurance we ll tell you . learn more faqs answers to the most commonly asked questions about home insurance . learn more how to s simple guides to help you find the type of coverage and premiums you want . learn more calculators estimate insurance costs mortgage payments home costs and more learn more get started with a quote live chat tell us about yourself so we may better help you what can we help you with today i am shopping for home insurance i have a question about my existing policy i would like to file or check on a claim i m just researching start chat hi . unfortunately we have no online agents available right now to live chat . please call 877 686 9491 and we can help you over the phone . thanks a home insurance agent will be contacting you shortly . or you can call us at 877 686 9491 . call now and 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