Home Insurance Calculator
Calculate home insurance premiums and coverage costs
Home Insurance Calculator
How to Use Home Insurance Calculator
Enter Property Details
Provide your home's value, age, size, and structural information including roof and foundation types.
Select Coverage Amounts
Choose appropriate coverage limits for dwelling, personal property, and liability protection.
Set Deductible
Select a deductible amount that balances premium cost with out-of-pocket expenses.
Input Location Information
Enter your location details as proximity to emergency services and local risk factors affect premiums.
Review Premium Estimate
Get your estimated annual and monthly premiums with coverage breakdown and risk assessment.
Compare Options
Adjust coverage amounts and deductibles to find the best balance of protection and cost.
Home Insurance Tips
Ensure dwelling coverage is adequate to rebuild your home if destroyed
Personal property coverage should be 50-70% of dwelling coverage
Higher deductibles reduce premiums but increase out-of-pocket costs
Bundle policies (home + auto) often qualify for multi-policy discounts
Review coverage annually and after major home improvements
Document valuable items with photos and receipts for adequate coverage
Consider flood insurance if in high-risk areas (not covered by standard policies)
Shop around - premiums can vary significantly between insurers
Maintain good credit - it affects insurance rates
Install safety features like smoke detectors and security systems for discounts