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Homeowners insurance rates vary depending on your property and the state you live in. Standard coverage does include roof leaks, with the usual caveat that leaks caused by a lack of maintenance may not be covered. How much does homeowner's insurance cost? According to zillow, you can expect to pay roughly $35 per month for every $100,000 of your there are a variety of factors that make your homeowners insurance cost go up or down. What factors influence the cost of homeowners insurance? Homeowners insurance premiums vary from state to state. We have average home insurance rates by state and coverage level, so you know what to expect to pay.

According to the national association of insurance commissioners, the national average premium is $1,095 a year.

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