Home insurance calculator
Estimate illustrative coverage needs and a broad annual cost range. This tool does not provide an insurance quote.
Results will appear here after you calculate.
Assumptions
- Replacement cost is treated as the dwelling limit. Land value is not included.
- Additional living expenses are shown as 20% of dwelling for illustration only.
- State rates are educational placeholders, not catastrophe models or insurer loss costs.
- Flood, earthquake, wind-pool and surcharge programs are omitted.
Dwelling coverage
Dwelling coverage is the amount available to repair or rebuild the house after a covered loss. Reconstruction cost can differ from market value.
Personal property
Personal property coverage applies to belongings, often with sub-limits for jewelry or cash. The amount you enter here is used as an illustrative personal-property limit.
Liability
Liability coverage can help if you are legally responsible for certain injuries or property damage. It does not replace an umbrella policy discussion or auto liability.
Additional living expenses
If a covered loss makes the home uninhabitable, this coverage may help with reasonable extra living costs. The 20% figure is a teaching default, not a policy promise.
Deductibles
A higher deductible can lower an illustrated premium and increase what you pay after a property claim. Some states and coastal areas use percentage deductibles that this form does not capture.
Frequently asked questions
Should I insure the purchase price?
Usually you start from rebuild cost. Purchase price includes land and market conditions that rebuilding does not.
Does this include flood?
No. Flood is typically a separate policy.
This website provides general educational information and estimates. It is not an insurance company, insurance agent, broker, financial adviser, attorney, or other licensed professional. Calculator results are illustrative and should not be considered insurance quotes or professional advice.