2002 Average Homeowners and Renters Insurance Premiums by State

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Note: State average premiums were calculated by dividing premiums by exposures expressed in house-years. A house-year is equal to 365 days of insured coverage for a single dwelling and is the standard measurement for homeowners insurance.
¹ California data provided by the California department of Insurance
² The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms.
Source: Insurance Information Institute, from “2002 Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance,” published by the National Association of Insurance Commissioners, 2005. The NAIC no longer ranks state average premiums and does not endorse any conclusions drawn from this data.