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WebFeb 14, 2024 · Best homeowners insurance rates. Erie offers the cheapest home insurance rates — a policy costs $883 per year or $76 per month, which is 53% less expensive than the national average. However, Erie isn't available to most homeowners, because the company only operates in 12 states. Nationwide and State Farm offer affordable homeowners … WebYou could save on your home insurance with a multi-policy and loss-free discounts. You may also save if your home is equipped with qualified smart home technology, security and fire protective devices. There are several insurance discounts you can consider when you explore homeowners insurance coverage to meet your individual needs. Consider ... WebApr 13, 2024 · A homeowners insurance policy is typically broken down into six parts: Coverage A - Dwelling: A house and any attached structures, such as a garage. Coverage B - Other structures: Any stand-alone structures — like a … flips headphones vs beats