e narrator says, according to the NAIC (national association of insurance agents) according to the NAIC, the most common amount charged by insurance agencies in the US for insurance on homes is $1192. However, rates vary by state and State. According to the narrator, location is also important. Rural homeowners are charged more then urban residents due to the long wait time for emergency services. What is covered by Homeowners Insurance? Insurance agencies that cover home comprise: Dwelling Damage to the home and attached structures Other buildings: Damage to separate constructions Personal Property personal property; loss or damage loss of use: temporary living expenses in case damages to property Personal…