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What is the normal going rate for homeowners insurance on a 1200 SQFT home?



What is the normal going rate for homeowners insurance on a 1200 SQFT home?

Depends on what state, but I would expect them to be around $450 annually. This would be close to what I would expect in Texas, Minnesota, and Alabama. Where do you live?
That would depend on where you live, what the claims have been in your neighborhood, how far you are from services like fire a fire department, what the house is made of, etc. Your best bet is to just go to a few insurance agents and ask for quotes. It doesn't cost anything, as far as I know.
It depends entirely where you live. If you live on the coast in Florida, that would be cheap. I have a 1200 ft house that is pretty new, concrete construction, and I am miles from the ocean and I pay $2700 a year for my insurance - and that's for current value, not replacement value insurance. Why not get something better? B/c no companies will write here.
It doesn't work that way. It's ALSO going to depend heavily on your location (LOL you aren't in FLORIDA, are you? it could be $5,000 in florida!!), how old the house is, how old the roof, plumbing, heating/cooling, and pipes are, YOUR CREDIT SCORE, what the house is made of, how far it is from a fire department (protection class), etc.

There are a LOT of variables. It could be $300. It could be $3,000. And it could be uninsurable.
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