Home insurance rates by state
Premiums are set locally: the same house is priced differently a state line apart, because carriers weigh wind, hail, and rebuild costs region by region. Pick a state to see the cities we cover and what drives rates there.
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Georgia
~$1,700
avg / year
Spring hail and wind drive most Georgia claims, and roof age is the single biggest premium lever.
Top peril: Spring hail
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Texas
~$3,900
avg / year
Hail, Gulf wind, and hard freezes all price into Texas rates, and roof age is the lever carriers weigh most.
Top peril: Hail
View 8 cities →
Tennessee
~$3,000
avg / year
Tornadoes and hail drive Tennessee claims, with wildfire in the east and New Madrid quake exposure in the west.
Top peril: Tornadoes
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