Home Insurance Cost Calculator

Estimate your annual and monthly homeowners (HO-3) insurance premium from a few property and policy inputs.

Planning estimate — not a quote. Get a licensed agent to quote your specific ZIP.

Property & policy inputs

Structure rebuild cost, not price. Rough proxy: sq ft × local rebuild $/sq ft ($100–$200+).
Single largest geographic rating factor.
Security & safety features (each verified at binding; cumulative discount capped at −20%)
Add-coverages (each typically adds premium — checkboxes are illustrative approximations)
Add-ons carry no load from the rating model — figures are typical market ranges, not carrier quotes.

Estimated premium

Annual premium
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Monthly premium
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≈ annual ÷ 12
Per $1,000
—
premium per $1k of coverage

Premium by deductible — comparison

Deductible comparison includes your selected add-ons, so totals match the headline premium.

Standard HO-3 coverage breakdown

Education: RCV pays current replacement cost without depreciation; ACV subtracts depreciation (cheaper premium, stingier payout). Rebuild cost is not market value. Flood (NFIP/private) and earthquake are separate policies and are NOT included. In storm states, wind/hail and hurricane deductibles are often separate from the all-peril deductible.

Data source: Multiplicative rating model (Luminth · thecalcu · MyInsuranceCalcs · CalculatorCollection) with base rate & full 51-state multiplier table recalibrated to Insurance.com / Quadrant Information Services 2026 ($2,870/yr national average for a $300k dwelling, $1k deductible, good credit). Bankrate 2025 cross-check ≈ $2,470. Refresh annually.

This is not a quote. Every carrier uses its own proprietary underwriting. Credit-based scoring is prohibited as a rating factor in CA, MD, MA, HI.