Home insurance prices are up across the U.S. as insurance companies both try to recoup incredible losses from the last few years and brace for more losses as climate-related disasters intensify.

While home insurance rates soared after the wildfires in California and hurricanes in Florida, there are a few states where homeowners are paying well below average premiums to protect their homes.

With a background in journalism and counseling, Penny Min blends analytical research with real-world insight to help readers make informed financial decisions. At Forbes Marketplace, she specializes ...