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Home Insurance Cost Estimator

Estimate annual homeowners insurance premiums based on your state, home size, age, and deductible choice. Includes common discounts.

State

Square footage

Home age

Rebuild cost (per sq ft, US avg ~$150)

Deductible

Safety features

⚠️ This calculator provides a ballpark estimate based on industry averages and publicly available data. Your actual premium depends on factors we cannot verify (credit score, claims history, exact vehicle/property details, carrier underwriting). This is not insurance advice. Compare actual quotes from licensed carriers before purchasing. Full disclaimer.

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.