Costco home insurance rates for members in 2026 depend on the property's location, construction, replacement value, coverage requirements, and individual underwriting factors. Through its partnership with American Family Insurance and affiliated insurers, Costco provides eligible members access to homeowners insurance options and potential membership discounts.
Costco offers access to homeowners insurance through American Family Insurance and its affiliated insurance companies. Costco does not directly underwrite these policies or pay insurance claims. Instead, eligible members can explore insurance options and potential discounts through the program.
Home insurance rates are calculated individually rather than according to a single fixed price for all members. The amount a homeowner pays depends on several factors, including:
Because these factors differ between properties, homeowners should request a personalized quote rather than rely on a general state average.
In 2026, the availability and pricing of Costco home insurance depend on the state where the property is located. The insurance program does not publish one universal rate applicable to every state and homeowner.
American Family Insurance lists homeowners insurance information for states including Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin. Other affiliated underwriting companies operate in additional states, subject to product and program restrictions.
When comparing state availability, homeowners should consider the following:
The official Costco insurance website states that its member discount is not available for home insurance in Florida and Tennessee. Availability and eligibility should be confirmed directly before applying.
Eligible Costco members may qualify for a membership discount on a home insurance policy. The discount is subject to underwriting criteria and state availability, and the amount is not necessarily the same for every customer.
Other potential savings opportunities may include:
Costco Executive members may also receive selected home insurance benefits in eligible states. These can include home lockout assistance and reimbursement for certain window glass repairs, subject to policy conditions and limits.
A personalized quote is the most reliable way to understand the premium available for a particular property. Members can start through the official Costco insurance website and enter their ZIP code to check available options.
Before requesting a quote, prepare the following information:
Once a quote is available, compare the premium with other insurers offering coverage in the same area. Make sure the policies have comparable coverage limits, deductibles, and exclusions.
The lowest quoted premium does not always provide the most suitable coverage. Homeowners should review the full policy details before making a decision.
Important considerations include:
Comparing these details helps homeowners assess both the cost and the protection offered.
Costco home insurance rates for members by state in 2026 vary according to property characteristics, location, coverage choices, and underwriting requirements. Eligible members may qualify for membership discounts, bundling opportunities, and selected benefits, but these offers are not available everywhere. Since standardized rates cannot accurately represent every home, obtaining a personalized quote and comparing equivalent policies is the most practical way to evaluate the available options.