Home Insurance Cost Estimator
Estimate annual homeowners insurance premiums based on your state, home size, age, and deductible choice. Includes common discounts.
Frequently asked questions
What's the difference between replacement cost and market value?
Market value is what your home would sell for. Replacement cost is what it would cost to rebuild your home with similar materials today. Insurance is based on replacement cost, not market value — so a $500k home might only need $350k of coverage if the land is valuable but rebuilding costs less.
Why is home insurance so expensive in Florida?
Florida has the highest home insurance rates in the U.S. (averaging $7.00 per $1,000 of value vs the national average of $3.50) due to hurricane risk, rising reinsurance costs, and a dysfunctional private market. Many Florida homeowners rely on Citizens Property Insurance, the state-run insurer of last resort.
What discounts can I get?
Common discounts include: new roof (5-8%), security system (3-5%), bundled with auto (10-15%), no claims in 3+ years (5-10%), new home (up to 10%), and paying annually (usually 5%). Ask each carrier what they offer.
About the Home Insurance Cost Estimator
Estimate annual homeowners insurance premiums based on your state, home size, age, and deductible choice. Includes common discounts. The tool runs entirely in your browser, so nothing you enter is uploaded or stored.
How to use the Home Insurance Cost Estimator
- State — enter your state.
- Square footage — enter your square footage.
- Home age — your age in years.
- Rebuild cost (per sq ft, US avg ~$150) — your rebuild cost in per sq ft, us avg ~$150.
- Deductible — enter your deductible.
- Safety features — enter your safety features.
Last updated — insurance rates and factors change over time, so always confirm with the current source.
Estimates for general information only, not insurance advice — see our disclaimer.