Home Insurance
4 free calculators & converters. Every tool runs entirely in your browser — nothing you type is uploaded.
Available calculators
Home Insurance Cost Estimator
Estimate annual homeowners insurance premiums based on your state, home size, age, and deductible choice. Includes common discounts.
Renters Insurance Coverage Calculator
Estimate how much renters insurance coverage you need and what it might cost per year. Covers personal property, liability, and additional living expenses.
Flood Insurance Cost Estimator
Estimate annual flood insurance premiums based on your FEMA NFIP zone, building height, and replacement cost. Flood insurance is separate from home insurance.
Umbrella Liability Calculator
How much umbrella insurance do you need? Calculate based on your total assets and annual income. Umbrella coverage kicks in when your auto/home liability limits max out.
About the Home Insurance
All 4 free home insurance calculators and converters at Cover by mQuickCalc. No sign-up, no email, no data collected. The tool runs entirely in your browser, so nothing you enter is uploaded or stored.
Choosing the right tool
- Home Insurance Cost Estimator — Estimate annual homeowners insurance premiums based on your state, home size, age, and deductible choice. Includes common discounts.
- Renters Insurance Coverage Calculator — Estimate how much renters insurance coverage you need and what it might cost per year. Covers personal property, liability, and additional living expenses.
- Flood Insurance Cost Estimator — Estimate annual flood insurance premiums based on your FEMA NFIP zone, building height, and replacement cost. Flood insurance is separate from home insurance.
- Umbrella Liability Calculator — How much umbrella insurance do you need? Calculate based on your total assets and annual income. Umbrella coverage kicks in when your auto/home liability limits max out.
For general information only, not financial advice — see our disclaimer.
Frequently asked questions
How much is homeowners insurance per year?
Average US home insurance costs $1,300-2,000/year (about 0.5-1% of home value). The home insurance calculator estimates premiums from home value, location and coverage.
How much home insurance coverage do I need?
Dwelling coverage should match rebuild cost (not purchase price). The home insurance calculator estimates your needed coverage from square footage, materials and local costs.
What is the difference between replacement cost and actual cash value?
Replacement cost pays to rebuild at today's prices. Actual cash value deducts depreciation. Replacement cost is recommended, and the home insurance calculator estimates both.