Home Home insurance Calculators Homeowners insurance calculator: Estimate the cost of getting homeowners insurance Homeowners insurance calculator: Estimate the cost of getting homeowners insurance Our homeowners insurance calculator can help you find competitive quotes tailored to your needs. To get the most accurate estimate, start by calculating how much dwelling coverage you’ll need. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILE | Expert insight from Christopher J MarquetteChristopher J MarquettePhD, Tabor School of Business, Millikin University | Managing Editor, Journal for Global Business Advancement.“Factors that affect rates include the construction materials, the location of the home, any previous homeowners’ insurance claims, the deductible chosen and, in some states, the policyholder’s credit score.”Go to commentSee moreSee less | Updated onJuly 7, 2026 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Understanding the cost of homeowners insurance is a crucial step in protecting your most valuable asset — your home. With so many factors influencing your premium, from the location and age of your property to your coverage limits and deductible choices, estimating the cost can feel overwhelming. Use our calculator below to get a personalized estimate based on your dwelling coverage, location, liability limits, and deductible, then compare it against state averages and coverage benchmarks. How to calculate your coverage needs Estimate replacement cost: What it would cost to rebuild today, not what the house would sell for. Aim for 10% to 25% above that, or use $150 per square foot as a rough baseline Inventory your belongings: Walk through each room and list your furniture, electronics, and appliances with what it would cost to replace them, since photos or a quick video make a claim far easier to prove. Check your loss of use coverage: Make sure it’s enough to pay for a hotel or rental if a storm forces you out of your home for weeks or months. Review your liability limits: Most policies start at $100,000, but you can raise that to $500,000, and the more assets you have, the more worth protecting. Pick a deductible you can actually cover: A higher deductible lowers your premium, but you’ll pay more out of pocket when you file a claim, so choose an amount you could write a check for tomorrow. Consider an umbrella policy: It extends your liability coverage past the standard limits, which is worth it once your assets outgrow what a regular policy protects. How to use our homeowners insurance calculator Enter your ZIP code to pull rate data specific to your area Input your dwelling coverage amount based on your home’s estimated replacement cost Set your liability coverage limit (standard policies start at $100,000, but experts recommend at least $300,000) Choose your deductible — the amount you’re comfortable paying out of pocket if you file a claim Review your estimate and adjust any figure to see how it affects your rate Home insurance calculator Get a quick estimate of home insurance rates based on your location. ZIP code Dwelling coverage Dwelling coverage pays for the rebuilding or repair of your physical home structure. Choose an amount that would cover the cost of rebuilding your home. $200K $300K$400K$600K$1M Liability coverage Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others' property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $100K $300K Deductible The deductible is the amount you're responsible for paying out of pocket before your insurance begins to cover the remaining costs of a claim. Hurricane (2%) Standard ($1000) Average annual home insurance rates 33315 - Fort Lauderdale $10,230 Average rate Average rate $10,230/Yr Lowest rate $2,341/Yr Highest rate $19,810/Yr Rate by ZIP code in Florida Most expensive ZIP Least expensive ZIP Most expensive ZIP ZIP code City Average rate 33070 Islamorada Village of Islands $18,374 33037 Key Largo $18,140 33036 Islamorada Village of Islands $18,033 33001 Long Key $18,014 ZIP code City Average rate 32307 Tallahassee $2,251 32313 Tallahassee $2,251 32306 Tallahassee $2,251 32308 Tallahassee $2,267 Methodology Insure.com commissioned Quadrant Information Systems to field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 10 coverage levels based on various dwelling and deductible limits. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value Last calculator data updated on: 2025Powered by: How much homeowners insurance coverage do you need? Most homeowners need enough dwelling coverage to rebuild their home at today’s construction prices, plus liability, personal property, and loss of use coverage to protect the rest of their finances. The single most important number is your home’s replacement cost, which is what it would cost to rebuild today, not what you paid or what the house would sell for. Your policy is built from a few different coverages, and each protects a different part of your financial life. Coverage typeWhat it coversDwelling coverageRebuilding your home’s structure if it’s damaged or destroyedLiability coverageLegal and medical costs if someone is injured on your property or you damage someone else’s propertyPersonal property coverageRepairing or replacing your belongings (furniture, electronics, clothing)Loss of use coverageLiving expenses (hotel, meals) if you can’t stay in your home during repairsDeductibleThe amount you pay out of pocket before your insurance kicks inUmbrella insuranceExtra liability protection beyond your standard policy limit Powered by: What happens when your coverage doesn’t match your home’s replacement cost Sarah: Underinsured Sarah takes out $200,000 in dwelling coverage and $100,000 in liability. But her home’s actual replacement cost, which the cost it would take to rebuild the house in the present, is $280,000. If her home is destroyed, she’s left covering an $80,000 gap out of pocket — even though she paid for insurance. John: Matched to replacement cost John takes out $300,000 in dwelling coverage, matching his home’s replacement cost. If disaster strikes, his policy covers the full rebuild — no unexpected gap. Mike: Overinsured Mike’s home has a replacement cost of $400,000, but he takes out $1 million in dwelling coverage. He’s paying premiums on $600,000 of coverage he can never actually use — insurers only pay out up to the cost of rebuilding, not the policy limit. The extra coverage doesn’t add protection, just extra cost. What to read next Homeowners insurance rates by state: See how your state compares Average homeowners insurance cost by ZIP code in 2026 Show more How much does homeowners insurance cost by coverage amount? Your premium rises with your dwelling and liability limits and falls as your deductible goes up. The table below shows average annual costs across common coverage combinations, including what you’d pay with a 2% hurricane deductible, which several coastal states use. Dwelling coverageLiability coverageDeductibleHurricane deductibleAverage annual premium$200,000$100,000$1,0002%$1,932$200,000$100,000$1,000None$1,897$200,000$300,000$1,0002%$1,964$200,000$300,000$1,000None$1,920$200,000$100,000$2,5002%$1,737$200,000$100,000$2,500None$1,692$200,000$300,000$2,5002%$1,771$200,000$300,000$2,500None$1,716$300,000$100,000$1,0002%$2,575$300,000$100,000$1,000None$2,515$300,000$300,000$1,0002%$2,612$300,000$300,000$1,000None$2,543$300,000$100,000$2,5002%$2,356$300,000$100,000$2,500None$2,265$300,000$300,000$2,5002%$2,392$300,000$300,000$2,500None$2,294$400,000$100,000$1,0002%$3,221$400,000$100,000$1,000None$3,127$400,000$300,000$1,0002%$3,259$400,000$300,000$1,000None$3,158$400,000$100,000$2,5002%$2,958$400,000$100,000$2,500None$2,827$400,000$300,000$2,5002%$2,999$400,000$300,000$2,500None$2,861$600,000$100,000$1,0002%$4,562$600,000$100,000$1,000None$4,364$600,000$300,000$1,0002%$4,604$600,000$300,000$1,000None$4,400$600,000$100,000$2,5002%$4,201$600,000$100,000$2,500None$3,974$600,000$300,000$2,5002%$4,244$600,000$300,000$2,500None$4,008$1,000,000$100,000$2,5002%$6,715$1,000,000$100,000$2,500None$6,215$1,000,000$300,000$2,5002%$6,766$1,000,000$300,000$2,500None$6,253$1,000,000$100,000$5,0002%$6,369$1,000,000$100,000$5,000None$5,631$1,000,000$300,000$5,0002%$6,424$1,000,000$300,000$5,000None$5,670 Powered by: How much does homeowners insurance cost by state? Homeowners insurance costs vary widely by state — the highest-cost states can run more than double the lowest. In Florida, the average annual rate is $7,136, while in Hawaii, it’s just $659. Location is one of the biggest drivers of your premium. States prone to hurricanes, tornadoes, or other severe weather — along with certain state-specific insurance laws — tend to have higher average rates. States with milder weather risk typically see lower costs. The table below shows average home insurance rates by state. StateEstimated annual premiumEstimated monthly premiumAlaska$1,397$116Alabama$3,633$303Arkansas$3,733$311Arizona$2,344$195California$1,616$135Colorado$4,963$414Connecticut$1,905$159Washington, D.C.$1,656$138Delaware$1,374$115Florida$7,136$595Georgia$2,323$194Hawaii$659$55Iowa$2,902$242Idaho$2,240$187Illinois$2,643$220Indiana$2,887$241Kansas$5,260$438Kentucky$4,042$337Louisiana$5,986$499Massachusetts$1,483$124Maryland$1,918$160Maine$1,335$111Michigan$2,924$244Minnesota$2,729$227Missouri$3,979$332Mississippi$2,529$211Montana$3,215$268North Carolina$3,124$260North Dakota$2,982$248Nebraska$4,553$379New Hampshire$1,300$108New Jersey$1,421$118New Mexico$2,869$239Nevada$1,774$148New York$1,683$140Ohio$2,118$177Oklahoma$5,010$417Oregon$1,572$131Pennsylvania$1,529$127Rhode Island$2,445$204South Carolina$2,974$248South Dakota$3,760$313Tennessee$2,958$247Texas$4,085$340Utah$1,814$151Virginia$2,074$173Vermont$1,063$89Washington$1,753$146Wisconsin$1,812$151West Virginia$1,860$155Wyoming$2,075$173 Powered by: What factors affect homeowners insurance rates? The biggest factors used to calculate home insurance rates are location, construction type and materials, the size and features of your home, past claims, and — in some states — your credit score. Location: Areas prone to hurricanes, tornadoes, wildfires, or other natural disasters carry higher rates. Construction type and materials: Homes built with fire-resistant or storm-resistant materials often cost less to insure. Size and features of the home: Larger homes or those with high-end finishes need higher dwelling coverage, which raises the premium. Past claims: The more claims you’ve filed, the higher your rate is likely to be. Credit score: Used as a rating factor in most states, but some states, like California and Massachusetts, prohibit its use. “Factors that affect rates include the construction materials, the location of the home, any previous homeowners’ insurance claims, the deductible chosen, and, in some states, the policyholder’s credit score,” says Christopher J. Marquette, professor at the Tabor School of Business. The more claims you file, the more you’ll pay over time. A nicer home with high-end finishes costs more to rebuild, so it costs more to insure. And if you live somewhere that gets hit with rough weather or natural disasters, your premium reflects that risk too. How to lower homeowners insurance costs The most effective ways to lower your homeowners insurance costs are shopping around, bundling policies, raising your deductible, and taking advantage of discounts. Shop around: Rates for the same coverage can vary significantly between insurers, so comparing quotes every year or two helps you catch a better deal Bundle policies: Combining your home and auto insurance with the same provider often qualifies you for a multi-policy discount Raise your deductible: The deductible is the amount you pay out of pocket before insurance kicks in — choosing a higher deductible lowers your premium, but means more upfront cost if you file a claim Make home safety upgrades: Installing things like a security system, smoke detectors, or a new roof can qualify you for discounts by lowering your risk profile Stay claims-free: Insurers often reward homeowners who haven’t filed a claim in several years with a claims-free discount Review your policy annually: Checking your coverage each year helps you avoid overpaying for coverage you don’t need, or catch gaps before they become a problem Frequently asked questions Why is my homeowners insurance quote so high? Your quote is likely high because of a combination of your home’s location, its replacement cost, and your claims history. Homes in areas prone to severe weather, older homes, homes with outdated roofing or wiring, and homeowners with recent claims typically see higher rates. Your coverage limits and deductible also play a role — higher dwelling or liability limits and a lower deductible both push your premium up. If your quote seems unusually high, it’s worth shopping around and comparing quotes from multiple insurers, since pricing can vary significantly for the same coverage. Is there a formula to estimate home insurance costs? You can always multiply the square footage of your home by the cost of labor and building materials in your area to come up with a dwelling coverage amount; however, it will be a very loose estimate. To get a more accurate figure, ask your agent for help – they usually have a dwelling coverage calculator. Then, use a home insurance calculator. What is the rule of thumb for calculating home insurance? You need to know how much dwelling and liability insurance you need and what deductible you’re willing to pay, and then you can use an online home insurance calculator or shop around for quotes. How much liability coverage should I carry with my homeowners insurance? We recommend carrying at least $300,000 in liability coverage, though higher limits are often recommended. This coverage pays for injuries or property damage you’re legally responsible for, such as a guest slipping on your steps. If you have significant assets or savings to protect, consider increasing your limit or adding an umbrella policy for extra protection. What our expert says Christopher J MarquettePhD, Tabor School of Business, Millikin University | Managing Editor, Journal for Global Business Advancement. “Factors that affect rates include the construction materials, the location of the home, any previous homeowners’ insurance claims, the deductible chosen and, in some states, the policyholder’s credit score.” How much is home insurance in your state or city? Compare home insurance rates by state and learn about how home insurance works in your area. Select your state or city from the below list to get an estimate of home insurance cost. Alabama $3,131/year Major CitiesHuntsvilleMobileTuscaloosa Alaska $1,695/year Major CitiesAnchorageFairbanksJuneau Arizona $2,468/year Major CitiesChandlerGilbertMesaPhoenixTucsonMore Arkansas $3,948/year Major CitiesFayettevilleFort SmithJonesboroLittle RockMore California $1,386/year Major CitiesAnaheimBrisbaneChinoClovisCosta MesaHuntington BeachLos AngelesSan FranciscoSanta ClaritaTemeculaMore Colorado $4,086/year Major CitiesArvadaColorado SpringsMesa Connecticut $2,205/year Major CitiesBridgeportNew HavenStamfordWaterburyMore Delaware $1,366/year Major CitiesDoverMiddletownNewarkWilmingtonMore Florida $4,405/year Major CitiesBoca RatonFort LauderdaleHavanaMelbourneMount DoraPensacolaSan AntonioTampaMore Georgia $2,286/year Major CitiesAtlantaColumbusSavannah Hawaii $593/year Idaho $1,950/year Major CitiesCaldwellIdaho FallsMeridianNampaMore Illinois $3,044/year Major CitiesAuroraChicagoJolietNapervilleRockfordMore Indiana $2,969/year Major CitiesEvansvilleFishersFort WayneIndianapolisSouth BendMore Iowa $2,642/year Major CitiesCedar RapidsDavenportDes Moines Kansas $4,826/year Major CitiesOverland ParkTopekaWichita Kentucky $3,314/year Major CitiesBowling GreenCovingtonOwensboro Louisiana $3,576/year Major CitiesBaton RougeLafayetteLake CharlesNew OrleansShreveportMore Maine $1,375/year Major CitiesBangor Maryland $1,707/year Major CitiesBaltimoreBowieFrederickGaithersburgRockvilleMore Massachusetts $1,622/year Major CitiesBostonMiltonNorfolkSpringfieldTewksburyWorcesterMore Michigan $2,396/year Major CitiesAnn ArborDetroitGrand RapidsSterling HeightsWarrenMore Minnesota $2,399/year Major CitiesBloomingtonDuluthMinneapolisRochesterSt. PaulMore Mississippi $3,369/year Major CitiesBiloxiGulfportHattiesburgJacksonMore Missouri $3,528/year Major CitiesKansas CityMountain View Montana $3,265/year Major CitiesBillingsBozemanGreat FallsMissoulaMore Nebraska $4,785/year Major CitiesBellevueGrand IslandKearneyLincolnOmahaMore Nevada $1,444/year Major CitiesIncline VillageLas VegasMesquitePahrumpRenoSparksMore New Hampshire $1,209/year Major CitiesNashua New Jersey $1,506/year Major CitiesJersey CityLakewood New Mexico $2,638/year Major CitiesAlbuquerqueLas CrucesRio RanchoRoswellSanta FeMore New York $1,777/year Major CitiesNew York North Carolina $2,933/year Major CitiesCaryCharlotteDurhamFayettevilleFriscoGreensboroRaleighWinston SalemMore North Dakota $3,134/year Major CitiesFargoGrand ForksWest Fargo Ohio $2,144/year Major CitiesCincinnatiToronto Oklahoma $5,749/year Major CitiesBroken ArrowEdmondNormanTulsaMore Oregon $1,741/year Major CitiesEugeneHillsboroPortlandSalemMore Pennsylvania $1,886/year Major CitiesAllentownEriePhiladelphiaPittsburghReadingMore Rhode Island $1,932/year Major CitiesCranstonProvidenceWarwick South Carolina $2,668/year Major CitiesCharlestonColumbiaMount PleasantNorth CharlestonRock HillMore South Dakota $3,374/year Major CitiesAberdeenSioux Falls Tennessee $3,045/year Major CitiesChattanoogaClarksvilleKnoxvilleMemphisMore Texas $3,844/year Major CitiesAustinDallasFort WorthHoustonPasadenaPlanoSan AntonioMore Utah $1,792/year Major CitiesSanta ClaraSouth JordanWest Jordan Vermont $1,247/year Virginia $2,135/year Major CitiesAshburnRestonSaint PaulVirginia BeachMore Washington $1,596/year Major CitiesBellevueSeattleSpokaneTacomaVancouverMore West Virginia $1,886/year Major CitiesHuntington Wisconsin $1,648/year Major CitiesGreen BayKenoshaMadisonMilwaukeeMore Wyoming $1,885/year Major CitiesCasperCheyenneGilletteLaramieMore See more states No matches are found Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2026 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance premiums? Mobile home insurance cost and coverage in 2026 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Cost of living by state By Chris Kissell Cost of living calculator By Nupur Gambhir HO-3 vs. HO-5: Which homeowners insurance policy is right for you? By Alisha Ambre Hurricanes and home insurance: How hurricane insurance works By Alisha Ambre Renters insurance calculator: How much renters insurance costs by state and city in 2026 By Alisha Ambre Homeowners insurance rates by state: See how your state compares By Alisha Ambre On this page How to use our homeowners insurance calculatorHow much homeowners insurance coverage do you need?What happens when your coverage doesn't match your home's replacement costHow much does homeowners insurance cost by coverage amount?How much does homeowners insurance cost by state?What factors affect homeowners insurance rates?How to lower homeowners insurance costsFrequently asked questions What our expert says ZIP Code Please enter valid ZIP See rates 1-833-708-6021