How much does homeowners insurance cost for a 250,000 house?

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  1. Reply
    June 26, 2011 at 11:36 am

    It depends where you live of course. My house is worth $ 500,000 and my insurance is $ 1,500/yr. The value of your house is only part of the equation. Liability insurance counts for a lot.

  2. Reply
    June 26, 2011 at 12:35 pm

    There are many factors that play into the cost of Homeowners. Do yourself a favor and get a free comparison quote so you can compare different coverages and rates. Ceck this site out

  3. Reply
    Danno Soprano
    June 26, 2011 at 12:51 pm

    The cost of the house is only one factor, your credit rating and prior claims also play a factor. Order a free CLUE report from Choicetrust and see what it says about prior claims on the property. Choose CLUE reports on the left hand side then free report for homeowner. CLUE stands for the Comprehensive Loss Underwriting Exchange. Thats where all the insurance companies look to evaluate the risk of the property.

  4. Reply
    June 26, 2011 at 1:01 pm

    Here are some of the variables that will effect how much you pay – your credit score:
    claims history:
    where the house is located. Also you need to know that there is a difference in what you are paying for the house and what it costs to replace or rebuild the house:

    To find a local agent here is a national directory:

  5. Reply
    June 26, 2011 at 1:41 pm

    there are several factors such as how many claims have you made in the past 3 years also credit is another factor and also whether you have your home and auto together also if your house is newer than 5 years you usually get a juicy discount.Allstate and farmers are pretty good. If you have bad credit ask for a company that does not use credit as their rating.In colorado american family does not.

  6. Reply
    June 26, 2011 at 2:08 pm

    depends on your record

  7. Reply
    June 26, 2011 at 2:32 pm

    depends on where you live, the claims history of the house, your claims history, what the house is constructed of, how old the house is, your credit history, how recently the major systems of the house have been updated, and other exposures such as trampolines, pools, dogs, etc.

    You’ll have to contact a few local agents to get a quote that counts.

  8. Reply
    Paula M
    June 26, 2011 at 2:38 pm

    make sure you get replacement value…..and debris removal…..if your house blows up… need about 10 grand to remove the remains…crazy, but there it is…….alot of people in california insured their homes when they purchased 20+ years ago….when the fires destroyed their homes, their insurance was for the amount they paid…….20 years of equity GONE!!!!

    Your home owner’s insurance is a “living” document… must make sure that the $ $ $ $ are current.

  9. Reply
    June 26, 2011 at 3:33 pm

    You can ask them to send free quotes for your house,

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