How much is homeowners insurance in Columbus,NJ

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Columbus is $1,518 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $986 less than the national average of $2,504 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Columbus depend on several factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

New Jersey Manufacturers is the cheapest homeowners insurance company in Columbus with an average annual premium of $1,518 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Columbus. Keep reading to learn about the monthly cost of homeowners insurance in Columbus, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Columbus.

Key takeaways

Homeowners insurance costs $1,518 per year in Columbus.
At $1,070 per year, New Jersey Manufacturers offers the cheapest homeowners insurance in Columbus.
Your home insurance rates increase by $363 more annually if you increase your dwelling coverage from $200,000 to $300,000.

How much is homeowners insurance in Columbus per month

According to our rate analysis, homeowners in Columbus pay an average of $127 per month. It’s $2 more than the state average of $125 and $82 less than the national average for home insurance across the United States.

In Columbus, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

How much is homeowners insurance for a $200,000 house in Columbus

In Columbus, NJ, homeowners pay an average of $1,155 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

How much is homeowners insurance for a $300,000 house in Columbus

As per rate analysis by Insure.com, homeowners residing in Columbus typically pay an average of $1,518 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $363 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Columbus by company

Among the carriers analyzed, New Jersey Manufacturers is the cheapest homeowners insurance company in Columbus. It’s average annual rate for Columbus homeowners is $1,070. National General Insurance ranks second and Chubb Ltd makes it to the third spot with an average annual home insurance rate of $1,130.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Columbus and prepared a list of the cheapest home insurance providers. You can find below the Columbus home insurance companies and their average annual premium.

Home insurance company	Annual rate
New Jersey Manufacturers	$1,070
National General Insurance	$1,092
Chubb Ltd	$1,130
State Farm	$1,168
Franklin Mutual	$1,443
Heritage Insurance Holdings	$1,915
Farmers	$2,055
Plymouth Rock Assurance	$2,228
USAA*	$1,187

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Columbus for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.