Homeowners Insurance Estimator

About this project

How the estimator works

We generate a directional premium estimate from three building blocks:

Mathematically, the estimate is baseline × state × product of factor multipliers. You can review and edit these numbers in /assets/app.js.

Data sources & assumptions

For transparency, state multipliers are placeholders initially set to 1.00 each. Replace them with your vetted benchmark (e.g., NAIC HO‑3 statewide indices) to get closer to market reality. We publish our method on the Sources page.

Accuracy & limitations

Tips for using the tool

  1. Start on your state page; we auto‑select the state.
  2. Try two coverage tiers (e.g., $250k vs $350k) and two deductibles ($1k vs $2.5k) to see the tradeoff.
  3. Be realistic about roof age and claims — they move the estimate the most after coverage/deductible.
  4. Use the monthly figure for budgeting; keep the annual for comparisons.

Privacy & tracking

All calculations run in your browser. We use Google Analytics and AdSense. Consent Mode v2 lets you opt in or continue without consent. See our Privacy Policy.

FAQ

Can I use this to shop carriers?

Use it to set expectations and prep questions. For quotes, speak with licensed agents and compare policy forms, not just price.

Where do the multipliers come from?

You (or we) can populate them from public summaries like NAIC or your own research. See Sources.

Why is my state so different?

Catastrophe exposure (wind, hail, wildfire), cost of construction, and legal environment vary widely. Multipliers capture that.

Glossary

Change log

Contact

Email us at everydayroyalties@gmail.com.

How We Think About Home Insurance Education

The goal of this site is not to sell you a specific policy, but to help you feel less overwhelmed by the basics: dwelling coverage, deductibles, named versus open perils, and how surcharges can build over time. We read filings, carrier guides, and regulator publications to design examples that reflect patterns we see across the market, without trying to copy any single company's pricing.

We also work to keep the language on this site as plain as possible. Insurance contracts are written in legal language for good reasons, but that does not mean every explanation must feel like a contract. If a section feels confusing, that is a signal for us to refine it.

Who This Estimator Is Designed For

This tool is meant for homeowners, condo owners with walls-in policies, and renters who want to understand how property risk is priced. It is especially helpful if you are renewing a policy after several years, moving to a new state, or trying to understand why your premium changed after a claim or roof replacement.

How to Use This Site Alongside Professional Advice

Many visitors use this site to prepare for a call with a licensed agent or broker. The estimator helps you get comfortable with terms like dwelling limit, personal property coverage, and wind or hail deductible before you are under time pressure to make a decision. Bringing a few printed scenarios or screenshots to that conversation can make it more collaborative and less confusing.

What This Tool Does Not Try to Predict

The estimator is not a rating engine and does not attempt to forecast exact premiums from any specific insurer. It cannot see your claim history, credit-based attributes, or other underwriting factors that many carriers use. Its purpose is to help you understand directional changes: how raising deductibles, changing limits, or updating a roof might influence the shape of your premium, not the precise dollar amount.

Our Commitment to Plain-Language Explanations

Home insurance can become complicated quickly, especially when exclusions, endorsements, and catastrophe risks are involved. On this site, we aim to explain concepts in everyday language first, then connect those explanations to the more technical terms you might see in policy documents. When you feel more comfortable with the plain-language version, it becomes easier to read and interpret the official forms you receive from your carrier.

Balancing Cost Conversations with Coverage Discussions

Many people come to home insurance research with a single question in mind: how do I lower my premium? While cost matters, we design this site to keep coverage in the foreground as well. Throughout the estimator and guides, you will see reminders to consider how changes affect your ability to rebuild, replace belongings, and handle liability claims—not just how they change the number on your bill.

Who May Find This Estimator Especially Helpful

This site tends to be most useful for people who like to understand the logic behind big financial decisions. If you prefer to see how different choices play out in numbers before you talk with an agent, the estimator and articles give you a way to explore those ideas in a low-pressure setting. You can arrive at conversations feeling prepared instead of overwhelmed.

Accepting That There Is a Learning Curve

It is normal to feel uncertain when you first encounter terms like replacement cost, loss-of-use coverage, or separate deductibles for different perils. This site is built with the assumption that you might be starting from scratch. Each visit adds another layer of understanding, and you do not need to master everything at once to make better decisions than you did last renewal.

Understanding the Limits of Any Estimate

Every estimate on this site is built on simplified assumptions. Real-world pricing depends on additional details, underwriting rules, and carrier-specific models that are not visible here. Treat these numbers as a directional guide that helps you feel more confident when comparing offers, not as a promise that any particular quote will match the results exactly.

A Suggested Path for First-Time Visitors

If you are new here, one simple path is to start with the main estimator, then read one or two introductory guides on deductibles and policy forms, and finally visit the state page that matches where you live. This sequence helps you build from general ideas to local context, instead of jumping into advanced topics before the foundations feel solid.

Improving Coverage One Small Step at a Time

You do not need to overhaul your entire policy in one sitting. Even a single improvement—clarifying your deductible strategy, adding one endorsement, or updating an outdated limit—can leave you meaningfully better protected than you were last term.