This is a very broad question, depending on the size and contents of the home, the locality (is it in a high risk or high natural disaster zone) is it near a downtown, or residential. All these factors are taken into consideration, even if you smoke as that would cost more as you would have a higher risk of fire etc.
Check atleast 3 local home insurance companies in your local community and compare rates and the pros and cons.
Sorry it is hard to give a definitive answer.
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