Florida
Annual home insurance cost: $2,055 (90% above the national average)
It is logical that Florida has the most expensive home insurance policies in the United States. With the high rates of hurricanes, sinkholes, and other natural disasters in the state, the risks to homeownership in the state are high.
Couple that with the high crime rate that comes from being a tourist destination, and the state understandably would top all others on actuarial tables as the most expensive state in which to own property.
