homeowners cost calculator

Homeowners insurance calculator: NO personal information

Are you trying to figure out the cost of home insurance?

Our convenient home insurance calculator is here to help.

Whether you need to estimate home insurance costs because you’re buying a new home or are looking for a better deal, our calculator is a great first step.

Best of all... No personal information required.

Home Insurance Calculator

🏠 Home Insurance Calculator

Get accurate estimates for all 50 states

1 Property Details
Dwelling coverage
How old is roof?
Table of Contents

Now that you have an idea of your cost of home insurance let's find the best rates locally.  Click on the link below for home insurance quotes

House Insurance Calculator: A Tool That Actually Makes Sense

Ever tried to guess your home insurance cost by eyeballing your house and thinking, “Eh, probably not that much”?

That’s where the house insurance calculator saves you from a facepalm moment. It takes the mystery out of estimating coverage costs by crunching the details for you, like home size, location, and construction type, so you can stop guessing and start planning.

This tool is built for homeowners who want real numbers, not wild guesses. You plug in your info, it does the math, and you get a ballpark estimate without needing a master’s in actuarial science. It’s fast, free, and surprisingly fun for something involving insurance math.

How the Building Insurance Calculator Makes Life Easier

Think of the building insurance calculator as your helpful, slightly nerdy friend who loves doing the math for you.

It shows what affects your premium and gives you a sense of what’s fair before you start getting quotes. If you’ve ever tried comparing policies on your own, you’ll appreciate how much faster this is.

You don’t have to give your life story, either. Basic details like your ZIP code, home value, and coverage preference are enough.

The calculator takes it from there, giving you a realistic range that helps you avoid sticker shock when talking to insurance agents.

How are homeowners insurance premiums calculated?

The cost of home insurance can vary depending on several factors including but not limited to:

  • Amount of dwelling coverage
  • Age of home
  • Number of stories or floors
  • Any prior claims
  • Credit score of the homeowner
  • Deductible amount - out of pocket expense
  • Safety features - Smoke detectors, burglar alarm, deadbolt locks, etc.
  • Location or State the property is located
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Top Factors Affecting Homeowner’s Insurance Premiums

The cost for home insurance is based on a variety of factors. After using our calculator, you can make adjustments to the estimate by taking the following factors into account:

  • Replacement Cost – If you’re wondering, “What does homeowners insurance cost in my state,” know that the cost of replacing it plays a major role in the equation.  Replacement cost refers to the cost to rebuild the same home at the same location.  It’s not the same as the market value, which takes things like land cost into account.
    Unfortunately, most people only buy enough home insurance to cover the cost of their mortgage.  Typically, that’s only 80% to 90% of the actual cost depending on your down payment amount.  It can be lower still if the home has appreciated in the meantime.
    Avoid potential disaster by having a professional appraiser give you a definitive cost to replace your home, and then inform your insurance company.
  • Deductibles – Like any type of insurance, the lower your deductible is, the more your premium will be for homeowner’s insurance.  The cost for home insurance, therefore, depends on the amount of your deductible.  Bumping it up to $1,000 over $500 can save up to 25%, but you need to be able to pay the deductible easily if need be.
    Note too that additional deductibles may apply depending on your policy.  For example, you might also have a windstorm deductible or a deductible for hail damage.
  • Claims History – Unless this is your first homeowner’s insurance policy, your claims history will come into play to affect the cost of home insurance. Insurers know that there is a correlation between previous claims and the likelihood of new ones be filed. Certain types of claims bump up rates more than others. For instance, a fire claim raises premiums by an average of 20% while a second fire claim can increase them by 44%.
    You can request one free copy of your claims history via the Comprehensive Loss Underwriting Exchange, or CLLE, Personal Property Report, which includes all claims filed in the last seven years.
  • Credit History – Insurers in all states except California, Maryland and Massachusetts are allowed to use your credit history when calculating premiums for home insurance. Each insurer uses its own formula, and the result is not the same thing as a credit score. People with poor credit histories pay an average of 127% more than those with excellent credit histories, so it pays to pay your bills on time.
  • Age and Construction of Home – Older homes tend to cost more to rebuild since materials like plaster, stained glass and hardwood floors are more expensive to replace.  A home that is 30 years old costs about 1% more to insure than a newer one; one that is 50 years old will cost about 3% more to insure.  Insuring a newly built home costs up to 36% less.
  • Home Liability Limits – Most homeowners opt for home insurance policies with $100,000 home liability limits.  If someone is injured on your property, however, the costs can far exceed that amount. Bumping it up to $300,000 will mean a higher premium but better peace of mind. If you own a dog – especially a breed that is considered aggressive – your insurer may require you to add more liability coverage.  The same applies if you have a swimming pool or hot tub; however, having one will likely only increase your premium by around 1% or so.
  • Other Factors – Other things that can affect the cost for home insurance include your marital status, proximity to a fire station, proximity to a coastline or body of water, having a home-based business and having a wood-burning stove.  If you do any remodeling, the improvements can also mean updating your policy – and that can mean higher premiums.
 home insurance quotesGet Instant Access

Can I pay homeowners insurance Directly?

When you have a mortgage, your property taxes and home insurance are typically paid for out of an escrow account.

However, you can opt for a no-escrow policy.  It makes sense if you have high property taxes and expensive premiums because it lets you keep earning interest on the money longer instead of forking it all over at one time.

Note, however, that this option is not available for FHA- or USDA-backed loans.

Obviously, if you don’t have a mortgage, you’ll need to pay for home insurance the same you would car insurance.  … However, if you have a mortgage, you can choose a no escrow option whereby you pay insurance premiums and taxes yourself. 

How much Is Homeowners Insurance?

How much is home insurance on a $200,000 house?

How much is home insurance on a $250,000 house?

How much is home insurance on a $300,000 house?

How much is home insurance on a $500,000 house?

How much is home insurance on a $1,000,000 house?

How to Use the Home Insurance Cost Calculator

Finding the average cost of homeowners insurance is a breeze with our easy-to-use calculator.

First, select whether your house is standard, semi-custom or custom. Roughly 75% of homes are standard, 20% are semi-custom and 5% are custom.

Next, use the slider to select the approximate square footage.

That’s it! Your premium estimate will appear instantly at the bottom of the calculator – and you didn’t have to provide any personal information at all.

So, how much is home insurance for you?

Before putting the calculator to use, get up to speed about various aspects of home insurance, including factors affecting the cost of home insurance, below.

How do I estimate home insurance costs?

If you haven’t already spoken with an insurance agent or broker, use our simple to use home insurance calculator. 

Like many folks, you may wonder, “What is the lowest cost home insurance?” As you can see, there is no simple answer to that question. However, using our convenient calculator helps you get a ballpark idea of how much you will spend.

This will give a basic understanding of the estimated cost of insurance for your home.  

Once you decide if the premium is in your budget, you can, then submit a request for an actual homeowners insurance quote based on that property.  

Since no personal information or property address was initially provided, you’ll be asked a few questions and then offered some home insurance quote options.  

It's the simplest Home Insurance Calculator you'll ever use.

Ready for actual quotes, click the link below for fast, free rate quotes.

Benefits of a Home insurance calculator

  • Simple to use - two-step process with instant rates
  • Fast estimates based on size of home
  • Good general cost of home insurance
 home insurance quotesGet Instant Access

What is the cost of home insurance?

By using a home insurance calculator you can get an estimated cost of insurance for your property with NO personal information. 

What questions people ask when thinking about home insurance

What does homeowners insurance cost in my state?

How much is home insurance?

What is the lowest cost home insurance policy?

It’s normal to wonder these things, and you’ve landed on the perfect site for finding the average cost of homeowners insurance.

Frequently Asked Questions

How accurate is this home insurance calculator?

Our calculator provides estimates based on current average rates for your state and home characteristics. Actual premiums vary by credit score, claims history, exact location, and carrier-specific underwriting. The calculator is designed to give you a realistic range to help with budgeting and comparison shopping.

Do I need to provide personal information to use the calculator?

No. Our calculator requires no personal information, email address, or phone number. You only need to enter property details like home value, year built, roof age, and location to get an instant estimate.

What factors affect my home insurance rate?

Key factors include your state, home value, roof age, construction type, year built, deductible choices, security systems, and number of bathrooms. Roof age is particularly important - roofs over 20 years old can significantly increase premiums or require inspection.

What states does this calculator cover?

All 50 states. The calculator uses state-specific base rates that account for regional risks like hurricanes, tornadoes, wildfires, and hail. Rates vary significantly by state, with Florida and Louisiana being the most expensive and Hawaii and Vermont being the least expensive.

What is the difference between AOP deductible and wind/hail deductible?

The AOP (All Other Perils) deductible applies to most claims like fire, theft, and vandalism. The wind/hail deductible is separate and applies specifically to wind and hail damage claims. Many states require or offer separate wind/hail deductibles, often as a percentage of your Coverage A amount. We recommend $2,500 for AOP and 1% for wind/hail.

Why does roof age matter so much for home insurance?

Roof age is one of the most critical underwriting factors. Roofs over 20 years old have exponentially higher claim rates and many insurance carriers require inspection reports or may decline coverage without roof replacement. New roofs (under 5 years) can qualify for discounts, while roofs over 20 years can increase premiums by 40% or more.

Without providing any personal information, you can use our calculator to get an estimate in just two easy steps.

Yes, it’s that easy, so give it a try now!

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Click Here to Leave a Comment Below 1 comments
Chris Pederson

It’s good to know that an estimate can help you buy your new home or look for a better one. Too many people just go with the first deal they see. Getting multiple estimates could really help out in saving money when getting a home.

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