The average expenditure on homeowners insurance increased 12% from $593 in 2002 to $668 in 2003, according to the National Association of Insurance Commissioners. Expenditures vary widely by state. In 2003 Texas had the highest average expenditure $1328) followed by Louisiana ($974), Oklahoma ($925), Florida ($810) and the District of Columbia ($806). Idaho had the lowest average expenditure ($433) followed by Wisconsin ($434) and Delaware ($442),
Oregon ($461) and Maine ($462).
Increases in premiums may have taken some homeowners by surprise given that they came after several years of relatively flat prices.