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How much is home insurance for a $200,000 house?

I’ve just put in an offer for a $200,000 house. I know how much property taxes will be, but I’m not sure about home insurance. How much does home insurance cost for a $200,000 house?

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Andrew Biro · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on buying a house! While there’s no set cost of home insurance at any level—home insurance premiums are influenced by a host of different factors—you can expect to pay between an average of $1,000 and $1,500 per year on a $200,000 home.
I know this isn’t an incredibly specific number, but that’s because the cost of homeowners fluctuates and is more or less determined on a case-by-case basis.
Where you live is one of the most influential factors, as it forecasts the type and frequency of potential threats to your property—think hurricanes, winter storm damage, wildfires, etc.
Likewise, your credit history, the home’s age and condition, building materials, the cost to rebuild the home if it is destroyed, along with your chosen deductible, determine how much your home insurance policy will be.
If you’re worried about overpaying for your home insurance, let Jerry help you out. As a licensed home and
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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