Home Insurance Calculator
Calculate your homeowners insurance premium based on your property details and coverage preferences
Property Information
Details about your home and property
Coverage Options
Choose your coverage amounts and deductible
Should cover full replacement cost
Typically 50-70% of dwelling coverage
Additional Factors
Factors that can affect your premium
Ways to Lower Your Premium
- Bundle policies: Combine home and auto insurance for significant discounts
- Increase deductible: Higher deductibles mean lower premiums
- Install security systems: Alarms and cameras can reduce rates
- Maintain good credit: Better credit scores often mean lower premiums
- Stay claims-free: Avoid small claims when possible
Understanding Coverage Types
Dwelling Coverage
Covers the structure of your home and attached structures
Personal Property
Covers your belongings inside and outside your home
Liability Protection
Protects you if someone is injured on your property
Loss of Use
Covers additional living expenses if your home is uninhabitable