HOME INSURANCE CALCULATOR
What might your home insurance cost?
Estimate your annual premium based on your property type, rebuild cost, contents value, and state.
Your property
Your cover
Estimated annual premium
$1,779
That is roughly $148 a month for $430,000 of insured value. It is an estimate, not a quote.
- Monthly cost
- $148
- Building cover
- $350,000
- Contents cover
- $80,000
- Total insured value
- $430,000
- Liability cover (Standard $1M included)
- $1,000,000
Compare actual premiums from America's top insurers in 2 minutes.
This calculator is for illustrative purposes only and does not constitute insurance advice. Actual premiums will vary based on your property details, claims history, credit score, and insurer. Always review the full policy terms from your provider before purchasing coverage.
How this calculator works
- 1
Tell us about the property
Choose your state, property type and level of cover. Each of these affects what insurers typically charge.
- 2
Set your cover amounts
Adjust the rebuild cost, contents value and deductible so they reflect your situation.
- 3
See an estimated premium
We apply typical market factors to give an indicative annual and monthly figure. Real quotes will vary by insurer.
Common questions
- Is rebuild cost the same as market value?
- No. Rebuild cost is what it would cost to rebuild your home from scratch, and it is usually lower than the price the property would sell for.
- Does a higher deductible reduce the price?
- Usually yes. Agreeing to pay more towards a claim generally lowers your premium, but make sure the amount is one you could afford at short notice.
- How accurate is this estimate?
- It is an indication based on typical pricing factors, not a quote. Insurers also consider claims history, security and other details.
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