A $400,000 house costs an average of $3,216 to insure per year, but your cost will vary based on a few factors.

U.S. states have set up insurers to provide protection in disaster-prone areas that private insurance has avoided. They are taking on more risks as calamities become widespread.

Homeowners insurance costs will continue rising, growing by a total of 16% nationwide in the next 2 years, experts say.

Homeowners could see insurance premiums jump another 16% over the next two years due to an uptick in natural disasters and ...