Free calculator
Home Insurance Calculator
Build a homeowners policy from the ground up: dwelling coverage from your rebuild cost, then personal property, loss of use and liability, plus an estimated annual premium.
How the home insurance calculator works
A homeowners policy is a stack of coverages built on Coverage A (dwelling):
Dwelling = Square feet × Rebuild cost per sq ft × Quality factor- Coverage B – Other structures: 10% of dwelling (fences, detached garage, shed).
- Coverage C – Personal property: 40–70% of dwelling depending on how much you own.
- Coverage D – Loss of use: ~20% of dwelling for hotels and meals during a rebuild.
- Coverage E – Personal liability: a flat limit you choose, commonly $300,000.
- Coverage F – Medical payments: ~$5,000 for minor guest injuries.
The premium estimate starts near $3.50 per $1,000 of dwelling coverage and is adjusted for your deductible, roof age, claims history and catastrophe exposure.
Common mistake: insuring to market value
Your home's market value includes the land and location, which do not burn down. In hot markets the rebuild cost can be far lower than the sale price; in older neighborhoods it can be higher. Insure to replacement cost, not Zillow.
How to optimize what you pay
- Bundle with auto for a double-digit discount.
- Raise the deductible to $2,500–$5,000 and stop filing small claims — two claims in five years can make you non-renewable.
- Harden the home: impact-resistant roof, water-leak sensors, monitored alarm and defensible space all earn credits.
- Shop after a roof replacement — a new roof is one of the biggest rating improvements.
- Keep the liability limit high and pair it with an umbrella policy; it is inexpensive relative to the protection.
Home insurance calculator FAQ
Where do I find my rebuild cost per square foot?
Ask a local builder or your agent, or check recent construction cost guides for your metro. Typical U.S. figures run $110–$250+ per square foot depending on region and finishes.
Is flood damage covered?
No. Flood is excluded from standard homeowners policies and requires a separate NFIP or private flood policy. Earthquake is also separate in most states.
What is extended or guaranteed replacement cost?
An endorsement that pays 25–50% (extended) or unlimited (guaranteed) above your dwelling limit if rebuild costs surge after a widespread disaster. Worth adding.
Do you store my answers?
No. Everything is calculated in your browser and nothing is uploaded or saved.