Home Insurance Calculator
Estimate your homeowners insurance premium based on your home value, location, coverage type, and deductible. Get instant estimates for dwelling, liability, and personal property coverage.
Frequently Asked Questions
How much does homeowners insurance cost?
The national average is about $1,800-$2,200 per year ($150-$185/month). Costs vary widely by state, home value, location risk, coverage level, and deductible. Florida and Louisiana have the highest average premiums, while Vermont and Utah have the lowest.
What does homeowners insurance cover?
Standard homeowners insurance (HO-3) covers your dwelling, other structures (garage, fence), personal property, loss of use (temporary living expenses), personal liability, and medical payments to others. It typically covers perils like fire, theft, wind, hail, and vandalism but excludes floods and earthquakes.
How is homeowners insurance premium calculated?
Insurers consider your home's replacement cost (not market value), location (weather risk, crime rate), construction type, age and condition, deductible amount, claims history, credit score (in most states), and proximity to fire stations and hydrants.