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Kiplinger
Kiplinger
Business
Rachael Green

These 10 States Have the Most Expensive Home Insurance in 2026

A small model house sitting on top of a stack of coins. .

Home insurance rates have skyrocketed over the past few years as natural disasters and extreme weather become more frequent and the costs of home repairs keep climbing.

While homeowners everywhere are feeling the pinch, some states have been hit harder than others. U.S. homeowners are paying an average of $2,490 per year for $300,000 in dwelling coverage, according to a recent Nerd Wallet report. However, homeowners in 10 states are paying significantly more than the national average.

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