TypeAboutEst. Cost
Homeowners
Standard coverage providing financial protection against loss due to disasters, theft, and accidents.
$900 to $1,600 / yr
Hazard
Protects against damage caused by fires, severe storms, hail, sleet, or other natural events.
$700 to $1,300 / yr
Flood
Protects against damage caused by flooding. Often required in designated flood zones.
$400 to $3,500+ / yr
Windstorm
Protects against damage caused by tornadoes, hurricanes, or gales.
$100 to $400 / yr
Estimates vary based on property location, home age, condition, and coverage limits. Bundling insurance types with one provider may offer discounts. Review your coverage regularly, especially after significant life changes or home improvements.