Homeowners Insurance Estimator
Simple, transparent estimates by state — adjust coverage, deductible, and a few factors.
Estimate
How we estimate
We start with a national baseline, then apply a state factor and your inputs (coverage, deductible, roof, claims, location risk).
See the Sources page for the method.
Fast to compare
Use the chips to jump between common coverage and deductible levels and see the effect instantly.
Mobile‑friendly
The tool is designed to fit all screens with no side‑scroll.
Popular states
Recent posts
FAQs
Is this a quote?
No — it’s an educational estimate. For quotes, speak with licensed agents.
How accurate is it?
Accuracy improves when you tune state multipliers using vetted sources.
Can I use my own data?
Yes — ask us to wire in a multipliers file for data‑verified defaults.
How this homeowners insurance estimator works
This tool helps you approximate a fair homeowners insurance premium using inputs you control—home value, location, construction type, roof age, and coverage choices. It is not a quote; rather, it shows how each factor moves your estimated rate so you can shop with confidence.
Three steps to a solid estimate
- Enter home details: year built, square footage, roof age/material, and safety features (alarm, sprinklers).
- Set coverage: dwelling limit, personal property, liability, and deductible. Higher deductibles usually mean lower premiums.
- Refine by risk: wind/hail, wildfire, flood zone, and crime risk can all change premiums. Use the sliders to model your neighborhood.
What affects your premium the most
- Roof condition: newer or impact‑resistant roofs often receive credits. Older roofs can increase rates or require higher deductibles.
- Regional catastrophe risk: hurricanes, hail, tornadoes, and wildfire exposure vary by state and county.
- Coverage/deductible choices: a higher deductible and reasonable personal property limits can meaningfully lower cost.
Example
Raising your deductible from $1,000 to $2,500 might reduce the estimate by 10–20% depending on state and carrier appetite. Adding a monitored alarm and a new Class‑4 roof can stack further credits.
FAQ
Is this the same as an insurer quote?
No. This is an educational estimate to help you shop. Final prices depend on underwriting and carrier filings in your state.
Can I use this when comparing carriers?
Yes—run your details here first to understand the big drivers, then request quotes with the same inputs for apples‑to‑apples comparisons.
Coverage types explained (plain English)
- Dwelling (Coverage A): The cost to rebuild your home. Use replacement cost, not market value.
- Other Structures (B): Fences, sheds, detached garage—usually 10% of A.
- Personal Property (C): Your stuff—furniture, clothes, electronics. Consider scheduled coverage for jewelry or high‑value items.
- Loss of Use (D): Pays for temporary housing if a covered loss makes your home unlivable.
- Personal Liability (E): Protects you if someone is injured or you cause property damage.
- Medical Payments (F): Small medical bills for guests, regardless of fault.
Deductibles and wind/hail options
Higher deductibles lower your premium, but raise your out‑of‑pocket when you file a claim. Some states use a separate percentage deductible for wind/hail or hurricane losses.
| Deductible | What it means |
|---|---|
| $1,000 flat | You pay the first $1,000 of a covered loss. |
| $2,500 flat | Lower premium; higher out‑of‑pocket for small claims. |
| 2% wind/hail | For a $350k dwelling, you’d pay $7,000 on wind/hail losses. |
Mitigation checklist to lower premiums
- Roof: document age and material; consider impact‑resistant shingles (Class 3/4).
- Security: monitored alarm, smart sensors, deadbolts, window/door reinforcements.
- Water: leak detectors near sinks/water heater; automatic shutoff valves.
- Wildfire/wind: defensible space, trimmed trees, rated shutters, sealed soffits.
- Bundle: auto + home with the same carrier for multi‑policy discounts.
Claims basics (so you’re not surprised)
- Safety first: prevent further damage if you can do so safely.
- Document: photos/videos of damage; keep receipts for temporary repairs.
- File promptly: contact your carrier or agent; provide your policy number.
- Meet adjuster: walk through damages; share estimates and receipts.
- Repairs: choose licensed contractors; keep all invoices.
Glossary (quick reference)
- Replacement Cost (RC): Pays to rebuild/replace without depreciation.
- Actual Cash Value (ACV): Replacement cost minus depreciation.
- Endorsement/Rider: Add‑on coverage for specific needs.
- Exclusion: A thing your policy does not cover (read these!).