Insurance

The 3 Best Rhode Island Homeowners Insurance Companies

Rhode Island is the second most high-risk state in the country for natural disasters, according to a study conducted by Providence Business News. From hurricanes to blizzards, Rhode Island homeowners experience it all — and at a very close proximity to the coastline. It’s no surprise, therefore, that this small state has some pretty big homeowners …

Categories: Housing, Insurance

The 3 Best Louisiana Homeowners Insurance Companies

In the decade since Hurricane Katrina left Louisiana homeowners devastated in its wake, the state has been focusing on rebuilding “smarter, safer, and stronger” than before. The state’s coastal location, history of extreme weather, and higher than average crime rate, however, has left sky-high premium rates for Louisiana homeowners insurance. In 2012, the average annual …

Categories: Housing, Insurance

Do You Need Rental Car Insurance?

It’s a familiar scenario for anyone who has rented a car lately: You’re tired after a long flight, and it’s finally your turn at the rental car counter. The agent is pleasant until it’s time to talk insurance, when he rattles off all the dire potential consequences of declining the company’s coverage. You’re tempted to …

The 3 Best New Hampshire Homeowners Insurance Companies

Known for pastoral college towns and its iconic “Live Free or Die” mentality, it’s no wonder New Hampshire is a popular location for homeowners. Lucky for residents of the Granite State, homeowners insurance premiums are lower than average (though, admittedly, not free) — in 2012, the average annual premium was just $848, compared to the national …

Categories: Housing, Insurance

The 4 Best North Carolina Homeowners Insurance Companies

Unlike some of its neighbors, North Carolina has been blessed with mostly mild weather and, as a result, relatively low homeowners insurance premiums. The average North Carolina home costs about $927 to insure annually — about $100 less than the national average of $1,034. Don’t let these numbers fool you, however: Insurance prices vary greatly …

Categories: Housing, Insurance

The 3 Best Missouri Homeowners Insurance Companies

Missouri’s extreme weather — from summer thunderstorms and tornadoes to heavy winter snowfall — makes finding affordable coverage in the state a Herculean task. In 2012, the average homeowners insurance premium in the Show-Me State was $1,091, just over the national average for that year. Hope is not lost, however. There are things you can …

Categories: Housing, Insurance

The 4 Best Alabama Homeowners Insurance Companies

From hurricanes to tornadoes, Alabama homeowners have faced their fair share of natural disasters. It’s not surprising, therefore, that the average annual premium in the Heart of Dixie is more than $200 higher than the national average. That being said, high premium costs don’t always equal adequate coverage. As a homeowner, it is important to protect …

Categories: Housing, Insurance

The 3 Best Wisconsin Homeowners Insurance Companies

In addition to cheese and beer, residents of the Badger State can also enjoy some of the lowest homeowners insurance premium rates in the country. In 2012, the average resident in Wisconsin paid just $631 — $400 less than the national average annual premium rate that year. With rates so low, it’s important to choose …

Categories: Housing, Insurance

The 4 Best Washington Homeowners Insurance Companies

The state of Washington claims five of the eight U.S. cities with the lowest risk of natural disasters, according to the New York Times (though the area isn’t immune to the threat of earthquakes or even volcanic eruptions). The Evergreen State’s temperate Pacific-Northwest climate is also accompanied by attractively low homeowners insurance rates. Washington state’s average annual premium for 2014 was …

Categories: Housing, Insurance

The 4 Best Virginia Homeowners Insurance Companies

The state motto “Virginia is for lovers” isn’t about the commonwealth’s affinity for low home insurance premiums, but it could be. The average annual rate for homeowners insurance in Virginia is roughly $200 less than the national average. Plus, with new developments popping up and an influx of new residents from colder climates and neighboring Washington, D.C., Virginia …

Categories: Housing, Insurance

The 3 Best Minnesota Homeowners Insurance Companies

Minnesota’s northern location in the Upper Midwest creates conditions for extreme seasons — and an increased risk of damage for homeowners. Hot summers and snowy winters have led the state to experience one of the largest hikes in homeowners insurance premiums, with the average rate in the state hovering above $1,100 a year. When shopping for …

Categories: Housing, Insurance

The 4 Best Pennsylvania Homeowners Insurance Companies

Despite unpredictable mid-Atlantic weather and some pockets of very high home values, Pennsylvanians pay surprisingly low homeowners insurance premiums on average. In fact, Keystone state homeowners saw one of the largest drops in average quotes in the last quarter, with the current average being just $804–significantly lower than the $1,034 national average. Though this may sound …

Categories: Housing, Insurance

The 4 Best Indiana Homeowners Insurance Companies

Indiana is no stranger to inclement weather — harsh Midwestern winters bring about snow and ice storms, while summers often see thunderstorms, tornados, and flooding. Despite the relatively high risk of property damage, the Hoosier State has cheaper-than-average homeowners insurance premiums. According to research conducted by the Insurance Information Institute, the average annual Indiana homeowners …

The 4 Best Georgia Homeowners Insurance Companies

Annual homeowners insurance premium rates in Georgia are nowhere near as astronomically high as those facing its neighbor to the south — at $975 per year, the state’s average annual premiums are slightly lower than the national average. However, certain areas of the Peach State experience higher turbulence in weather than others. Georgia’s coastal cities, …

Categories: Housing, Insurance

The 4 Best Arizona Homeowners Insurance Companies

Fortunately for residents of the Grand Canyon State, the risk of a natural disaster is low, resulting in some of the lowest homeowners insurance rates in the country. In 2012, the average annual Arizona homeowners insurance premium was just $691 — more than $300 below the national average of $1,034. The dry climate does create opportunities for rare-but-possible …

Categories: Housing, Insurance

The 3 Best Iowa Homeowners Insurance Companies

Iowa’s harsh weather conditions create an increased risk of property damage due to things like flooding and frozen pipes. Despite this, however, homeowners insurance premiums in the state remain lower than average. In 2012, annual premiums in the Hawkeye state averaged just $779, compared to a national average that exceeds $1,000. Iowa residents need to …

Categories: Housing, Insurance

The 4 Best Connecticut Homeowners Insurance Companies

Connecticut’s Northeastern locale puts the state’s homeowners at risk for wintertime damage like frozen pipes and snow-collapsed roofs, as well as summer flooding and wind damage from tropical storms and waning hurricanes. Due to these weather challenges and high property values, Connecticut’s average homeowners insurance premiums are pretty high. The annual average premium for the state in …

Categories: Housing, Insurance

The 4 Best Ohio Homeowners Insurance Companies

Ohio residents don’t have to worry much about natural disasters, and homeowners insurance premiums in the state are low as a result. The average annual home insurance rate in Ohio is just over $721 — well below the national average of $1,034. That being said, rates fluctuate between cities and really depend on the condition of …

Categories: Housing, Insurance

The 4 Best New Jersey Homeowners Insurance Companies

The devastation wrought by Superstorm Sandy in 2012 stressed the importance of a comprehensive homeowners insurance policy, as thousands of New Jersey residents were forced to rebuild and recover their homes at astronomical costs. Although the average annual homeowners insurance premium in the Garden State is only about $981 — roughly equivalent to the national average — geographic location creates …

Categories: Housing, Insurance

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