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What is a normal cost of home insurance for a house worth $200,000?

How can we estimate the cost of home insurance? We are looking to purchase a home and are trying to figure out what the cost of our insurance will be. Is there a way to tell?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“The cost of your home insurance will depend on a variety of factors, similar to how
car insurance
 rates are determined.
When a home insurance company determines a rate for an insured, they often look at:
  • location
  • credit history
  • type of home
  • claims history
  • type of coverage you’re looking for
If you have an older home or live in an area prone to natural disasters, your home insurance is likely to be more expensive. Having a home worth more will also increase your premium as you require a higher amount of dwelling coverage.
To estimate the cost of your home insurance, you’ll need to
request quotes from home insurance companies
.
If you currently have car insurance, you should find out if your carrier offers home insurance. They may be able to bundle your policies to save you money.”
MORE:
Pros and Cons of Bundling Home and Auto Insurance
Homeowners InsuranceBundling
View full answer 
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