Homeowners Insurance Estimator
Get a ballpark homeowners premium from your rebuild cost, local risk and deductible — and see how it compares to the national average.
Compare home insurance quotes
Learn moreWhat drives your premium
Premiums scale with the cost to rebuild your home (not its market value), your area’s risk of storms, wildfire and theft, and your deductible. Raising the deductible lowers the premium but means more out of pocket on a claim.
How it’s calculated & sources
We estimate premium as rebuild cost per $1,000 × a rate for your risk level, adjusted by a deductible factor. This is a rough ballpark; real quotes also weigh claims history, credit and home age.
Benchmark: the average U.S. homeowners premium is about $2,300/year for roughly $300,000 of dwelling coverage (NAIC / industry, 2025).
Results update as you type and are general estimates, not personalized financial, tax, medical or legal advice. Verify with a professional.
Worked example
$300,000 of coverage in an average-risk area with a $1,000 deductible estimates around $2,250/year — right at the national average.
Frequently asked questions
Should I insure to market value?
No — insure to rebuild cost, which can be higher or lower than market value. Land isn’t rebuilt, but construction can be pricey.
Does a higher deductible save much?
Going from $1,000 to $2,500 typically trims roughly 10% off the premium. Only raise it as high as you could comfortably pay on a claim.