Cincinnati Financial sells Kentucky's best and cheapest home insurance, with an average rate of $1,379 per year for $350,000 in dwelling coverage.

State Farm, Narragansett Bay and Amica are the best home insurance companies in Connecticut because of their affordable rates, reliable customer service and coverage options.

Norfolk & Dedham is the best cheap home insurance company for most Massachusetts homeowners. A policy costs $477 per year, which is 73% cheaper than the statewide average.