The home insurance estimator provides a rough estimate of homeowners insurance costs based on property value and deductible choice.
Enter home value and desired deductible. The calculator estimates annual and monthly premiums and suggests coverage amount (typically 80% of home value for replacement cost).
This is a very rough estimate. Actual premiums vary greatly by location, construction, age, claims history, credit, and coverage. Get quotes from multiple insurers for accuracy.
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Frequently Asked Questions
Dwelling, personal property, liability, additional living expenses (if displaced).
Higher deductible, security systems, bundling, good credit, shop around.
Floods, earthquakes (need separate policies), wear and tear, maintenance.
Enough to rebuild (replacement cost), typically 80-100% of home value.
Replacement cost is better—pays to rebuild without depreciation.