Home Insurance Estimator

Summary

This tool gives you a quick ballpark estimate of your annual homeowners insurance premium based on the key factors insurers use. Enter your home's replacement value, age, construction type, location risk level, coverage tier, and deductible to see an estimated cost range. All calculations run in your browser — no data is sent to any server.

How it works

1. Enter your home's estimated replacement value (cost to rebuild, not market price).
2. Select your home's age range and primary construction type.
3. Choose your location's risk level based on weather, wildfire, or flood exposure.
4. Pick a coverage tier: Basic, Standard, or Comprehensive.
5. Set your deductible amount, then click Estimate to see your projected annual premium range.

Use cases

• Budgeting for homeowners insurance before buying or renewing a policy.
• Comparing how different coverage tiers and deductibles affect your annual cost.
• Understanding how home age and construction type influence your rate.
• Evaluating whether a higher deductible meaningfully lowers your premium.
• Getting a rough number before speaking with an insurance agent.
• Teaching first-time homebuyers about insurance pricing factors.

Frequently Asked Questions