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Before giving you the list which includes California, what factors determine the price of homeowners insurance?

• First, we use the home’s square footage including any detached structures to help determine the
replacement cost.
• Building costs in the area (the building costs in California are higher than most other states but this is no surprise).
• The home’s construction, materials, and features (this shouldn’t shock anybody as homes built better with higher grade materials and features such as granite counter tops and slate floors should cause the price to replace or repair a home to be higher). 
• The amount of crime in the area (this can lead to increased claims for vandalism, fire, theft, and liability).
• The likelihood of damage from natural disasters such as hail storms and hurricanes (this is good news for California home owners as we rarely see hail and never experience hurricanes).
• The proximity of the home to a fire hydrant and distance from a fire station (though overall this isn’t a big problem, there are areas that are rural where traditionally fighting a fire is a problem because the fire department is far away and there may be only one access road to the property).

With all of that being said, here is the “Top 10” list of the highest homeowner’s insurance rates followed by the states with the 10 lowest homeowner’s rates:

1. Hawaii
2. District of Columbia (technically not a state)
3. California    
4. Massachusetts
5. ColoradoCalifornia Home
6. Washington
7. New Jersey
8. Vermont
9. Oregon
10. New York

And now the states with the lowest homeowner’s rates:

1. West Virginia
2. Mississippi
3. Oklahoma
4. Arkansas
5. Indiana
6. Kansas
7. Alabama
8. Ohio
9. Iowa
10. Michigan

Review your policy with one of our agents today.  Call Ken May Insurance Services at (760) 893-8055 for more information on
Carlsbad home insurance.

Source:, Feb. 22,2017

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