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P055UM

Homeowners insurance cost?

By P055UM in Moving to the US and Your New Life In America

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P055UM Collaborator

P055UM   281

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Thanks all, good to hear of plenty of people paying below the "average". Glad I asked! I gotta get back to researching...

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Cathi Veteran

Cathi   5,755

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Our homeowner's insurance just went up to $599 a year for a 2200sf, 4 bedroom, 3 bath home with attached 3 car garage, $1000 deductible 575k structure replacement(we just had the structure amount raised because housing and material prices have gone way up) plus replacement cost of all of the things inside(furniture, tvs, appliances ect..). We bundle with our car insurance to save money.(car ins. is a separate fee). Liberty Mutual and we live in NH.


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Loren Y Proficient

Loren Y   2,755

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Have a 1500 square foot newer home in Las Vegas,NV and it costs just under 400 a year for homeowners insurance. I have extra coverages for some things, and I do get an alarm system discount ( 60 dollars a year). Depends on many factors, definitely shop around.

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TBoneTX Grand Master

TBoneTX   45,305

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Depending on where you live, also remember flood insurance.  To my knowledge, it's a separate policy.  You won't appreciate it until you need it.

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P055UM Collaborator

P055UM   281

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22 minutes ago, TBoneTX said:

Depending on where you live, also remember flood insurance.  To my knowledge, it's a separate policy.  You won't appreciate it until you need it.

Very wise 👍

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Scandi Mentor

Scandi   4,166

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22 hours ago, AW1704 said:

Was wondering if anybody could shed some light on just what makes homeowners insurance so expensive in the US?

 

I am seeing that the average is somewhere $1,250 - $2,000 pa. depending on credit, location etc etc. In the UK, I was paying approx $150 pa. 

 

What gives? I know that some stuff is cheaper here and some is more expensive, but something being 10x pricier just seems plain weird. Anybody know why? Or what I am missing?

 

Thanks!

 

ps. really not trying to start a "thing" or particularly even complain, I am just curious :)

Unlike in my home country, many home owner insurances in the US also cover other things, not just the house. Stuff like if your dog bites someone and you get sued etc. Yeah that's gonna cost you a pretty monthly premium, because in the US people LOVE to sue each other for anything and everything. 

Edited by Scandi

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