Home Insurance
Home Insurance Premium Estimator
Estimate annual homeowners insurance based on property value, square footage, and regional risk. Get a coverage recommendation and a premium report.
Estimated Premium
$4,258/ year
$355 per month · $280k dwelling
State base premium$3,429
Property value factor×1.17
Square footage factor×1.11
Coverage tier×1.00
Regional risk×1.18
Replacement cost vs. actual cash value
Always insure the dwelling at replacement cost — actual cash value (ACV) policies deduct depreciation, leaving you tens of thousands short after a major loss. For high-risk regions (wildfire, hail, hurricane), add an extended replacement cost endorsement of 125–150%.
What this calculator does not include
- Flood insurance (separate policy through NFIP or private)
- Earthquake coverage (separate endorsement)
- Carrier-specific discounts (multi-policy, security, claims-free)