Home owners insurance costs vary depending on a multitude of factors related to the home itself including location, age of the home, construction methods, number of stories, square footage, building costs, home upgrades, replacement costs, etc. Importantly, many other factors including the amount of personal property coverage, the amount of the deductible, the amount of liability coverage, the propertyâ€™s proximity to emergency services like fire hydrants and fire departments, the personâ€™s credit history, and if there have been prior insurance claims all figure in to premiums. Also there are commonly premium discounts available for bundled policies which may include auto, homeowners, and/or other insurance. So, there is no set answer to the question. The best way to find out how much homeownerâ€™s insurance would cost would be to contact an insurance company and ask for an estimate.