In February 2026, homeowners insurance averaged $2,424 a year for a $300,000 dwelling nationwide, according to data from Bankrate.
With its flexible coverage and positive customer feedback, Amica is the overall best homeowners insurance provider in our in-depth analysis of nearly 30 insurers.
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Amica has the cheapest homeowners insurance, which costs an average $117 per month. It’s followed by Cincinnati Insurance’s $134 monthly premium.
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