Home insurance cost by country

Tap a country on the map, in the close-up of Europe or on its button. The card shows the figure in its own currency, what it covers, the period it describes, how it was produced and the source. The bars underneath put all 11 side by side in US dollars.

Why so few countries

Most countries don't publish an average home insurance premium at all. Regulators collect premiums and claims for solvency, not for price comparison, and insurers' associations rarely divide one by the other. We looked for an official figure in more than 25 countries. Eleven had something solid enough to print, and four kinds of figure turned up:

• Official figure. An average premium published by a regulator or the insurers' own association: the NAIC in the US, the Association of British Insurers, France Assureurs and Australia's competition regulator (ACCC).
• Official spending survey, yearly sum by us. Ireland's Central Statistics Office and Stats NZ publish what households spend on home insurance each week, averaged over households rather than per policy. We multiplied by 52; read them as close cousins of a premium, not the same thing.
• Worked out by us from official totals. Germany's and Austria's insurance federations publish total premiums and the number of contracts, but not the average. We divided one by the other and show the sum on the card.
• Comparison-site average. For Canada, Spain and the Netherlands the only figures with a stated method come from comparison or research firms. They are labeled as such, with the firm named.

The figures

Dollar amounts come from the ECB euro rates of October 30, 2026. They are there to give a rough order, not to rank countries: an American HO-3 policy includes liability and contents, a Dutch opstal policy covers only the building, and the Austrian figure covers only belongings.

What drives the gaps

What is in the policy. Britain's ABI figure is for a combined buildings and contents policy; the American figure adds personal liability and loss of use. Where natural disasters sit varies a lot. In France every home policy carries the state-backed natural-disaster guarantee, paid as a surcharge that went from 12% to 20% of the property premium in January 2025. In Spain flood and earthquake go through the Consorcio de Compensación de Seguros at 0.07 per thousand of the sum insured. In the US, flood and earthquake need separate policies, which the American average doesn't include.

Weather and rebuild costs. The highest figures belong to the places with hurricanes, cyclones, hail and wildfire. In Australia the ACCC put 2022-23 home and contents premiums at A$2,918 in North Queensland and A$2,922 in the Northern Territory, against A$1,779 for what it calls the rest of Australia; that last figure is the one in the table, so it is not a national average. New Zealand's premiums carry the Natural Hazards Commission levy of 16 cents per $100 of cover, up to $300,000 plus GST.

How the figure is measured. Ireland and New Zealand publish what households spend, not what one policy costs. Germany's and Austria's are totals divided by contracts. The American figure divides premiums by "house-years", one home insured for a year.

Romania: a compulsory policy, not a full premium

Romania has a compulsory home disaster policy, the PAD, sold through the state-backed pool PAID. It costs 130 lei a year for a type A home insured for 100,000 lei and 50 lei for a type B home insured for 50,000. It covers only earthquake, flood and landslide. Most owners add an optional policy for fire, theft and water damage, and no average for those is published, so Romania sits on the map as a note rather than a figure.

Countries we left out

Switzerland, Sweden, Poland, Portugal, Japan, Mexico, Brazil and South Africa publish no average premium we could find, and the comparison sites we found there give no method. Japan's Ministry of Finance publishes earthquake add-on rates only. Italy has a figure that a comparison site attributes to the insurers' association, but we couldn't confirm it at the source, so it isn't shown. We'll add a country when a figure with a clear source appears; tell us if you know of one.

For a US home

The country figures are background. For a house in the United States, the estimator builds a 2026 price for your state, insured amount and deductible, and the state page has all 50 states and DC.