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How Much Is Homeowners Insurance? Average December 2023 Rates

Savings Corner

Our sample policy was for a 40-year-old homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible. Houston had the most expensive average rate at $4,595 a year. USAA homeowners insurance is available only to active-duty military members, veterans and their families.