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| *Loan,banking and credit>>>homeowner insurance |
Roughly how much per month is Homeowners Insurance? |
What is the 12 month insurance premium for a $100,000 house? It depends on where you live and the amount of insurance you choice to take. I pay $800 a year on a $300,000 house in NY to give you an idea. Too many variables to answer accurately. Do you live near the coast, especially the Gulf Coast? What are your exposures? How old is your house? What type of construction? Homeowners insurance is based on the value of the property, location, and your claims experience. Less discounts like seniors, claims free, security etc. Depends on the area of location of the home. Some areas have higher claims, either through wind/hail or crime. It's not based on market value, it's based on cost to rebuild. Assuming your house is about 700 square feet (which would be the average cost to rebuild of $100,000), and you're in Iowa in a large city, the annual premium should run you around $300 a year. If you're in Florida, it's closer to $5,000 a year. If you have rotten credit, or the house is over 25 years old, it's a lot more. If there are any claims on either the house, or your personal history, it's more. If you don't have a 24 hour paid fire department within 3 miles of the house, and a fire hydrant within 1000 feet, it's more. In other words, it varies wildly on a whole bunch of factors, and you'll need to call a local agent to get an accurate quote. agent, 21+ years |
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