YSI – Your State Insurance

Key Takeaways The average car insurance premium in Cleveland is about $1,200 per year, but rates can differ widely based on your driving profile and selected coverage. In Ohio, your ZIP code, driving record, and the type of car you insure have a major impact on your quote for 2025. You could save up to…

Key Takeaways The average cost of windstorm insurance for coastal North Carolina homes in 2025 is around $2,800 per year, but your premium can be higher or lower depending on your city and proximity to the beach. In NC, your zip code, local hurricane risk, and the type of deductible (like wind and named storm…

Key Takeaways The average cost of Florida gig driver auto insurance in 2025 is around $210 per month, although your premium will vary significantly based on your city and driving record. In Florida, factors such as your coverage period (when you’re logged into a rideshare or delivery app) and location—like Miami or Orlando—have a major…

Key Takeaways The average renters insurance premium in New York City ranges from $12 to $25 per month in 2025, with borough and building type making prices higher or lower. Your borough—whether Manhattan, Brooklyn, Queens, Bronx, or Staten Island—significantly affects your renters insurance rate due to differences in crime and apartment security features. The cheapest…

Key Takeaways The average cost of Chesapeake Bay flood insurance in Maryland is around $950 to $1,600 per year, with premiums driven by your property’s elevation, flood zone, and proximity to the shoreline. Maryland tide policy rates are highly influenced by updated FEMA risk maps and whether your Bay-front home is in a special flood…

Key Takeaways The average cost of flood insurance for Pennsylvania riverfront homes in 2025 is about $1,250 per year, but premiums can be higher along flood-prone rivers like the Susquehanna. Flood zone classification, elevation certificate data, and your property’s proximity to major waterways are key factors that affect your flood insurance premium in Pennsylvania. Comparing…

Key Takeaways The average premium for Tennessee floodplain home insurance is around $950 per year, but costs can vary widely based on your home’s location, elevation, and specific flood zone. Living near the Tennessee River or in high-risk flood areas means your rates are heavily influenced by the latest FEMA floodplain map updates and your…

Key Takeaways The average cost of earthquake insurance in Vancouver for 2025 is around $400 to $800 per year; your premium depends on home type and location. In Vancouver, factors like your neighbourhood’s seismic risk and the deductible you select have a major impact on earthquake insurance rates. Comparing customized earthquake insurance quotes from top…

Key Takeaways The average cost of Halifax wind insurance in 2025 is around $950 per year, though premiums can shift based on your home’s location, construction, and risk profile. Homes in coastal or high-risk zones of Nova Scotia often pay higher storm policy rates, especially if they lack key upgrades like roof reinforcement or storm…

Key Takeaways The average NJ Shore home insurance premium in 2025 is approximately $1,700 per year, but in coastal hotspots like Cape May and Sandy Hook, rates may be substantially higher due to elevated risk. Key factors impacting your homeowners insurance cost on the Jersey Shore include your proximity to the ocean, flood zone classification,…