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How much is home and contents insurance on average?
I recently just bought my first house and am looking at home insurance policies. I came across something called “home and contents” insurance and was wondering if I needed that as well, but also what the average cost of it would be?
Andrew Biro · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I see where you might be confused—typically, home and contents insurance is referred to simply as homeowners or
home insurance
, as contents insurance is a part of a homeowners policy as a whole.On average, home and contents insurance will cost between $1,200 and $1,600 per year, or $100 to $134 a month, with the specific cost depending on several factors unique to you and your property.
Most home insurance policies already offer protection for personal belongings such as jewelry, firearms, and electronics, though you’ll have to carefully examine your plan to know what exactly your home contents insurance covers.
Location is the primary influencing factor, as it speaks to the type and frequency of perils your house is at risk for, but your credit score, marital status, and the age of the house itself also factor into determining the cost of your home and contents insurance.
Home and contents insurance is integral to protecting your home and belongings, so make sure you choose a plan that provides all the coverages you need without ripping you off. Licensed home and
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can help compare dozens of affordable quotes from over 50 trusted insurance providers, saving you money without skimping on coverage.View full answer
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