Homeowners Insurance Cost Estimator
Calculate your homeowners insurance premium by property value, location, and coverage needs. Get an accurate home insurance cost estimate to budget effectively and make informed decisions.
Property Information
Enter your property details to estimate insurance costs
Coverage Details
Typically 80-90% of property value
Safety Features (Discounts)
Average Costs by State
Florida$2,350
Texas$1,950
California$1,150
New York$1,250
Illinois$1,100
Average annual premiums by state
Money-Saving Tips
- Bundle with auto insurance for 10-15% discount
- Increase your deductible to lower premium
- Install security and safety devices
- Maintain good credit score
- Review coverage annually
What Is Homeowners Insurance?
Homeowners insurance protects your property, belongings, and liability. It covers damage to your home from covered perils, theft of personal property, and legal expenses if someone is injured on your property.
What Factors Affect Your Premium?
Your premium is affected by property value, location, construction type, home age, coverage limits, deductible amount, local weather risks, credit score, and claims history.
Disclaimer: This calculator provides an estimated cost based on national averages. Actual homeowners insurance rates depend on property details, provider, and underwriting.