the average cost of home insurance is just above $800 per year, nationwide. This means it is significantly higher in some states and significantly lower in others.

It is hard to put a figure on the average cost of home insurance. There are so many varying factors that come into play when determining the final cost of a home insurance policy. Of course, most people are looking for ways to save on home insurance, but skimping on coverage is not an option. Protecting the value of your home and the investment you have made may require going above and beyond the average cost of a home insurance policy.

Why settle for just average home insurance premiums? To find better than average homeowners insurance rates then be sure to enter your zip code into the free tool to compare free insurance rates!

To understand the average cost of home insurance, you first need to consider the factors affecting home insurance rates. The first determining factor is the amount of coverage you purchase. You need to purchase not just enough to cover your current home, but to cover the cost of replacing your home, if it is destroyed. These two numbers may be quite different. The more you insure your home for the more the insurance will cost but the more likely it will be that you can replace your home.

The next determining factor is the type of coverage you actually get for your home. You can get a basic policy which covers personal liability and property damage. This will include paying for an injury to someone on your property, damage from natural events, theft, or vandalism. It will also cover damage from fire, smoke, or water used to put out a fire.

A basic policy will not cover hurricanes, certain breeds of dog, or floods. You will need to add these if necessary which will make your policy cost increase quite a bit. This can be done by adding a rider to your policy.

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NEW YORK–(BUSINESS WIRE)–Pictometry Online™, a web-based technology offering a vast library of 3-D-like, high resolution aerial images, now enables insurance professionals to view and measure property sites from multiple directions without leaving their desk.

“the results are accurate, predetermined quotes that are supplemented with high resolution imagery for prospective customers.”

Unlike satellite images which are taken 200-300 miles above the Earth and only provide a rooftop or top-down view, Pictometry images are captured using aircraft that fly between 2,000 and 5,000 feet above the ground—resulting in higher resolution images that can be viewed and measured from all angles.

Providing images of properties throughout the United States, Pictometry offers the most advanced set of technologies that allow insurance agents and brokers to react and respond to opportunities faster than their competitors and identify properties with confidence.

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