Home Insurance Estimator

Estimate homeowners insurance by state, city, home value, construction type and deductible, using NAIC averages and FEMA hazard data.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Home Insurance Estimator

Estimated annual premium

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Per month

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How the home estimator works

We start from the NAIC average homeowners (HO-3) premium for your state, scale it by your dwelling value relative to the state's median home value (Census ACS), adjust for construction type and deductible, and — if you pick a city — apply a hazard factor from FEMA National Risk Index scores for that county. Flood and earthquake coverage are not included.

Frequently asked questions

What does homeowners insurance cover?

A standard HO-3 policy covers the dwelling, other structures, personal property, loss of use and personal liability. Flood and earthquake require separate policies.

Why does my home value change the estimate?

Premiums scale with the cost to rebuild your home. Our estimator uses the value you enter relative to the state median as a proxy.

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