🏠 Free Tool · 2025 Rates · No Sign-Up
Home Insurance Cost Calculator
The most comprehensive free homeowners insurance estimator for USA residents. Powered by real 2025 rate data across all 50 states — personalized to your home, location, and coverage needs.
50+1States Covered
2025Rate Data
7 StepsComprehensive
14Discount Types
12Add-On Coverages
0Personal Data Stored
① Property
② Location
③ Construction
④ Coverage
⑤ Safety
⑥ Discounts
⑦ Add-Ons
Calculating Your Estimate…
Analyzing state data, risk factors & all 26 pricing variables
1
Property Profile
Tell us about your home — type, age, size, and features
Home Type
🏠
Single Family
Detached
🏢
Condo/Co-op
HO-6
🏘
Townhome
Attached
🚐
Mobile/MFG
Manufactured
Ownership & Occupancy
Please select the year your home was built.
Size & Value
Finished Square Footage
1,800 sq ft
4002K4K6K8K+
$
Helps estimate your dwelling rebuild cost
Pools increase liability premium
2
Location & Hazard Exposure
Where you live drives 40%+ of your premium
Please select your state.
Enter a valid 5-digit ZIP code.
Check at msc.fema.gov/portal/home
⚠ Live Hazard Risk Profile
🌪 Wind / Hurricane
—
Select your state
🌊 Flood
—
Select your state
🔥 Wildfire
—
Select your state
🌍 Earthquake
—
Select your state
3
Construction & Materials
How your home is built directly affects your rebuild cost and risk rating
Foundation
🪨
Concrete Slab
🕳
Crawl Space
📦
Full Basement
🌊
Piers/Stilts
Frame Construction
🌲
Wood Frame
Most common
🧱
Masonry/Brick
Fire resistant
⚙️
Steel/Metal
Wind resistant
Exterior Walls
Roof
Interior Systems
Recent Upgrades (last 10 years)
🏚 New Roof
⚡ Re-wired
🚰 Re-plumbed
🌡 New HVAC
🍳 Kitchen Reno
🛁 Bath Reno
🔧 Addition / Expansion
🌍 Seismic Retrofit
4
Coverage Configuration
Set your policy type, all six coverage categories, and deductible
Policy Type (HO Form)
🔵
HO-2 Basic
Named-peril only. Covers 16 specific risks. For tight budgets and low-value homes.
~$—/yr
Most Popular
🟢
HO-3 Standard
Open-peril on dwelling, named-peril on contents. Industry standard for most homeowners.
~$—/yr
🟡
HO-5 Premium
Open-peril on both dwelling AND contents. Broadest available protection.
~$—/yr
Coverage A — Dwelling (Rebuild Cost)
Dwelling Replacement Cost
$300,000
$50K$550K$1M$1.5M$2M
💡 Rebuild Cost ≠ Market Value. Coverage A should equal the cost to rebuild from scratch at today’s labor and material prices — not what you paid for the home or what it would sell for. We’ve estimated this based on your square footage and state.
Coverage B–F — Other Limits
Fences, sheds, detached garages
Furniture, electronics, clothing, appliances
Hotel & living expenses if home is uninhabitable
Covers lawsuits if someone is injured on your property
No-fault medical coverage for guests injured on property
RCV pays new-for-old; ACV deducts depreciation
Deductible
$500
$1,000
$1,500
$2,000
$2,500
$5,000
$10,000
Higher deductible = lower annual premium but more out-of-pocket after a claim. $1,000–$2,500 is the sweet spot for most homeowners.
Hurricane / Wind-Hail Deductible
Many Gulf/Atlantic coast policies have separate hurricane deductibles
Guaranteed RC pays full rebuild even if over policy limit
5
Safety, Security & Owner Profile
These factors significantly adjust your premium up or down
🛡 Safety & Security Systems
🚨 Smoke Detectors
☁️ CO Detectors
🧯 Fire Extinguishers
🚿 Fire Sprinkler System
🔒 Deadbolt Locks
📡 Central Station Alarm
🔔 Local/Self-Monitored Alarm
📷 Security Camera System
📱 Smart Home / Connected
💧 Water Leak Detectors
🔧 Auto Water Shutoff
🚧 Gated Community
🌪 Wind & Storm Hardening
🪟 Impact-Rated Windows
🪟 Storm Shutters/Panels
🏚 Hip Roof (already selected?)
🔩 Roof-to-Wall Straps
🏅 IBHS FORTIFIED™ Roof
🚪 Impact-Rated Garage Door
⚡ Whole-Home Generator
💦 Sump Pump w/ Backup
⚠ Liability Risk Factors
🏊 Unfenced Pool
⭕ Trampoline
🐕 Small/Med Dog (any breed)
🐕 Large or Listed Breed ⚠
🐴 Horses/Farm Animals
👶 Home Daycare
🛻 ATVs / Recreational Vehicles
⚠ Items marked in red increase your liability premium. Consider higher Cov. E limits if any apply.
👤 Owner Profile
Banned in CA, HI, MA, MI — has no effect there
6
Available Discounts
Check all that apply — each discount directly reduces your estimate
✓
🚗 Bundle Auto + Home
Up to −12%
✓
🆕 New Home (under 5 years)
Up to −10%
✓
📡 Central Station Alarm
Up to −15%
✓
🏆 3+ Years Claim-Free
Up to −8%
✓
🌟 Loyalty / Renewal Discount
Up to −7%
✓
🚿 Fire Sprinkler System
Up to −8%
✓
🔁 Auto-Pay Enrollment
Up to −5%
✓
📧 Paperless / e-Policy
Up to −5%
✓
💳 Pay Premium in Full
Up to −7%
✓
🏚 New Roof (under 5 years)
Up to −10%
✓
🚭 Non-Smoker Household
Up to −6%
✓
👴 Senior Homeowner (55+)
Up to −5%
✓
🪟 Impact-Rated Windows/Doors
Up to −8%
✓
🏅 IBHS FORTIFIED™ Certified
Up to −6%
Most insurers cap combined discounts at 30–40%. Our calculator applies up to 42% total discount.
7
Optional Add-On Coverages
Endorsements & riders that fill gaps in your base policy
Catastrophic Coverage Gaps
✓
🌊 NFIP Flood Insurance
+~$220/yr national avg.
✓
🌍 Earthquake Coverage
+~$800/yr avg. (CA higher)
✓
🚰 Sewer / Water Backup
+~$150/yr
✓
📐 Extended Rebuild Cost (+25%)
+~$180/yr
Valuables & Personal Property
✓
💍 Jewelry / Valuables Rider
+~$200/yr per $10K coverage
✓
💻 Electronics Floater
+~$130/yr
✓
🖼 Fine Art / Collections Rider
+~$120/yr
✓
🎸 Musical Instruments Floater
+~$85/yr
Liability & Protection
✓
☂️ Personal Umbrella Policy ($1M)
+~$250/yr
✓
🪪 Identity Theft Protection
+~$95/yr
✓
🔧 Service Line Coverage
+~$60/yr
✓
❄️ Equipment Breakdown
+~$130/yr
✓
🔐 Cyber / Data Breach
+~$90/yr
✓
🏚 Roof Material Matching
+~$75/yr
🌊 Note: Standard HO policies never cover floods or earthquakes. If you’re in a risk zone, these add-ons are critical.
Estimated Annual Premium
$0
Based on your selections
Payment Options
Premium Breakdown
Your Coverage Limits
Where Your Premium Goes
Natural Hazard Risk Profile
What Your Policy Covers — HO-2 vs Your Plan vs HO-5
| Coverage / Peril | HO-2 Basic | Your Plan | HO-5 Premium |
|---|
State Insurance Facts & Market Info
Major Carrier Estimate Preview
Approximate annual premiums from major national carriers for a home similar to yours. Always get actual quotes for accurate pricing.
Discounts Applied
Add-On Coverages Selected
Expert Tips to Lower Your Home Insurance Premium
Ready to Compare Real Quotes?
This estimate uses 2025 rate data from 57+ carriers across all 50 states. Actual premiums vary by insurer, underwriting, and individual risk factors. Get real quotes to find the best price for your exact home.
* This calculator provides estimates for educational purposes only and does not constitute a binding insurance quote, offer of coverage, or advice. Actual premiums are determined by your insurance carrier based on their individual underwriting guidelines, inspections, and rating factors. InsuranceSimplifiedUSA.com is an educational resource — not a licensed insurance agency. Always consult with a licensed insurance professional for your specific needs.