How Much Should I Be Paying For Home Insurance? 
The amount of premium you should be paying for your homeowner 's insurance depends on how much coverage you have on your dwelling -LRB- and personal property etc. . . -RRB- , deductibles , type of policy , claims history and where you live . Many discounts -LRB- such as 55 and retired -RRB- may reduce your rate and that must be considered . You could pay as little as $ 250 per year or thousands of dollars per year . There are many variables that must be considered . 