Home Insurance Calculator

This tool gives a ballpark estimate based on 2026 published state-average premiums for $300,000 in dwelling coverage, scaled to your home's value and adjusted by common rating factors. Your actual quote depends on your specific insurer, exact address, roof condition, credit-based insurance score, and other underwriting details this calculator can't see — always get a real quote for an exact number.

State averages mainly reflect regional catastrophe risk (hurricanes, hail, wildfire, tornado), local construction/rebuilding costs, and litigation frequency. Florida and Oklahoma have the highest average rates due to hurricane and severe-storm exposure; Hawaii and Vermont have the lowest.

Yes — raising your deductible from $1,000 to $2,500 or $5,000 shifts more small-claim risk onto you, which insurers typically reward with a meaningfully lower premium, often 8-15%.

Roughly, yes, for the dwelling-coverage portion — but not perfectly linearly, since fixed costs (basic liability coverage, underwriting overhead) don't scale with home value. This calculator uses a simple proportional scaling from the $300,000 state baseline, which is accurate for typical mid-range homes but less precise at the extremes.