US home insurance estimator
Free US home insurance calculator. Estimate your annual and monthly premium from rebuild value, contents, location, deductible and coverage type — instant and private.
How to use
- Enter rebuild and contents value. Add the cost to rebuild your home (not its market price) and the value of your contents. Higher values raise the estimate.
- Choose your coverage type. Pick homeowners (buildings plus contents) or renters (contents only). The tool prices each so you can compare.
- Set location and deductible. Select your location risk and deductible. A higher deductible lowers your premium; higher-risk areas raise it.
- Review your estimate. See your estimated annual and monthly premium, the typical range, and each factor's contribution.
Features
- Rebuild-value based. Prices on the cost to rebuild your home, the figure US insurers actually use, not the market or purchase price.
- Homeowners vs renters. Compares full homeowners cover against contents-only renters insurance in dollars.
- Annual, monthly and a range. A point estimate plus a low–high band, because premiums vary widely by state and insurer.
- Deductible and location factors. Includes deductible and location risk — key levers that move US homeowners premiums.
- 100% private. All maths runs in your browser. Your details are never uploaded, stored or shared.
When to use it
- Sanity-checking a renewal before you accept it
- Estimating homeowners cover before closing on a house
- Comparing renters contents-only cover versus full homeowners
- Seeing how a higher deductible lowers your premium
- Budgeting home costs before buying a property
Is it private?
Every calculation runs in your browser. Your home, contents and location details are never uploaded, stored or shared.
Frequently asked questions
Is this a real home insurance quote?
No. It is an educational estimate based on published US averages and standard rating factors. Real prices depend on your state, ZIP code, home and insurer, so get quotes for exact figures.
Should I use rebuild value or market price?
Rebuild value — the cost to rebuild your home if it were destroyed. US insurers price on this, not the market or purchase price, and the two can differ significantly.
Why does my mortgage lender require insurance?
Lenders require dwelling (buildings) coverage to protect the property securing your loan. That is why homeowners cover is usually mandatory until the mortgage is paid off.
What if I rent instead of own?
Choose renters insurance, which covers your contents only — the landlord insures the structure. The tool estimates contents-only cover separately.
How does the deductible affect my premium?
A higher deductible means you pay more out of pocket on a claim, so the insurer charges a lower premium. The tool lets you compare deductible levels.
Is my information private?
Yes. Everything runs locally in your browser with no upload, no storage and no sign-up.
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