Tools & resources
Home insurance calculator
Estimate your annual and monthly homeowners premium. Adjust ZIP, dwelling value, home age, construction, and coverage level.
Home insurance calculator
Estimate your annual homeowners insurance premium. Numbers are modeled benchmarks — for a binding quote, run a real comparison.
Enter a valid 5-digit ZIP to see your estimate.
Estimates use industry benchmark models — actual rates depend on roof age, claim history, distance to fire hydrant/station, wind zone, and carrier underwriting.
How each factor moves your premium
| Factor | Typical impact | Notes |
|---|---|---|
| ZIP code | ±200% | FL/LA/OK can be 3x a low-risk Vermont/Oregon ZIP for the same home. |
| Dwelling value | Roughly linear | Doubling dwelling coverage roughly doubles the premium. |
| Home age | -14% (new) to +28% (50+ yr) | Older homes have older plumbing, wiring, and roofs. |
| Construction | -16% (masonry) vs frame | Brick/masonry resists wind and fire better. |
| Coverage level | -26% (basic) to +32% (premium) | HO-5 extended replacement is materially more expensive. |
| Roof age | Up to +40% | 20+ year roof can disqualify you with several carriers. |
| Claim history | Up to +60% | 2 claims in 5 years can move you to non-standard carriers. |
Want the real number, not the estimate?
Run a 60-second comparison and pull binding quotes from 20+ home insurers in your state.
Frequently asked questions
It uses 2026 industry benchmark rates to give a directional estimate based on ZIP region, dwelling value, home age, construction, and coverage level. A real quote — which considers roof age, claim history, distance to fire services, and carrier-specific factors — is the only binding number. Estimates are typically within 15–20% of actual quotes.
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