About Home Insurance ZIP
Radif Partners reads the ZIP code workbook that the Treasury's Federal Insurance Office published in January 2025 and turns it into answers for one address: what homeowners there paid per policy from 2018 to 2022, how often policies were not renewed, how often claims were paid and how large they were. Each figure names its spreadsheet, its year and its limits. Radif Partners is not an insurer, an agent or a broker, sells no policy and asks for no contact details.
Why this site exists
Search for the cost of homeowners insurance and you get averages that disagree by a thousand dollars, built from sample quotes for an invented house, followed by a form that asks for your phone number. In January 2025 the Treasury published what insurers actually wrote, ZIP code by ZIP code, for five years, along with how often they declined to renew. That file answers the question for real policies, and it deserved a plain lookup.
The figures here are not quotes for an imaginary house. They are what insurers actually wrote, divided by the policies they had in force, ZIP code by ZIP code, as reported to state regulators for 2018 to 2022 and published by the U.S. Treasury's Federal Insurance Office in January 2025. Because the same file also counts nonrenewals and paid claims, a ZIP code can be read three ways at once: what it costs, how hard it is to keep a policy there, and how often and how much insurers paid out.
Who publishes it
The site is published by Radif Partners, a company that builds calculators on public data and public rules. It is not an insurer, an agent, a broker or a lead generator, and it is not affiliated with the Treasury, the NAIC or any state insurance department. It earns no commission and carries no affiliate link.
Radif Partners
49 rue du Ressort
63000 Clermont-Ferrand, France
contact@homeinsurancezip.com
What we rely on
The Treasury's Federal Insurance Office workbook and report (workbook, report), the Bureau of Labor Statistics price indexes for homeowner's and tenants' insurance, the Census Bureau's ZIP to county file, federal escrow rules and the statutes cited on each page. Treasury did not validate the data in each ZIP code and does not endorse this site; its full disclaimer is on the method page.
What the site leaves out
It does not quote a premium, rank insurers or recommend one. It does not cover car insurance or flood insurance. Its figures end in 2022; later years are estimated with a national index and labeled. The editorial policy explains how pages are written and corrected.
Contact
contact@homeinsurancezip.com, for corrections and sources. We answer questions about a figure or a rule, not about your own policy.