Home Insurance Calculator
Estimate annual homeowners insurance cost by state, coverage level, and deductible. See average rates and cost factors.
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Frequently Asked Questions
How much does home insurance cost?▾
National average is about $2,300/year for $300K dwelling coverage. Ranges from $800/year in Vermont to $5,000+/year in Florida due to hurricane risk.
What affects cost?▾
Location, home value, coverage amount, deductible, home age, construction type, credit score, and claims history.
How much coverage do I need?▾
Enough dwelling coverage to rebuild your home (not market value). Most experts recommend 100% of rebuilding cost.
Is my data stored?▾
No. All calculations happen in your browser.