Estimate your homeowners insurance cost in seconds. Based on real 2026 rate data across all 50 states.
Home insurance is one of those purchases most people make in a hurry — during the closing process, under deadline, choosing whatever the lender's preferred carrier suggests. Most homeowners don't look at their policy again until they have a claim. That's when they discover the deductibles, exclusions, and coverage limits that determine whether they're actually protected.
Understanding what drives your premium — and what your policy actually covers — before something goes wrong is the most important thing you can do with this calculator.
Location is the single biggest driver of home insurance cost. Proximity to a coast (hurricane risk), a wildfire-prone area, or a high-crime ZIP code all raise premiums significantly. States like Florida, Louisiana, Texas, and California have seen dramatic rate increases in recent years as carriers have repriced catastrophic weather risk. In some coastal Florida ZIP codes, annual premiums have exceeded $10,000 on mid-size homes.
Dwelling coverage amount — not your home's market value, but its replacement cost — is the foundation of your policy. Replacement cost is what it would cost to rebuild your home from the ground up at today's material and labor prices. This figure is often higher than market value, especially in high-cost construction markets or for older homes with custom features.
Home age and construction type affect both risk and premium. Older homes with outdated electrical systems (knob-and-tube, aluminum wiring), older roofs, or older plumbing are rated as higher risk. Recent updates to these systems typically qualify for discounts and should be documented with your insurer.
Deductible is the most directly controllable premium lever. Raising your deductible from $1,000 to $2,500 typically saves 10–20% on annual premium. The right deductible depends on what you could comfortably pay out-of-pocket after a claim.
Claims history — both yours and your property's — affects pricing significantly. Multiple claims in a short period can result in non-renewal, not just higher rates. Many insurance professionals advise against filing small claims that are only slightly above your deductible for exactly this reason.
Enter your home details below for an estimated annual premium range based on 2026 rate data across all 50 states.
Bundle your home and auto insurance with the same company to save 15–25% on both policies. Raising your deductible from $500 to $1,000 can save 5–10% on your annual premium.
Estimates based on 2026 national average data. Actual rates vary by insurer and state. Get multiple quotes for the best price.
| State | Avg Annual Premium | Avg Monthly | Risk Level |
|---|---|---|---|
| Oklahoma | $5,220 | $435 | Very High (tornadoes) |
| Florida | $4,800 | $400 | Very High (hurricanes) |
| Texas | $4,142 | $345 | High (storms, hail) |
| Louisiana | $3,840 | $320 | High (hurricanes) |
| Kansas | $3,212 | $268 | High (tornadoes) |
| National Average | $2,100 | $175 | Medium |
| Ohio | $1,488 | $124 | Low |
| Wisconsin | $1,320 | $110 | Low |
| Hawaii | $672 | $56 | Very Low |
Covers repair or rebuilding of your home's structure if damaged by fire, wind, hail, lightning, or other covered perils. Based on replacement cost, not market value.
Covers furniture, electronics, clothing, and other belongings if stolen or damaged. Standard policies cover 50–70% of dwelling coverage amount.
Pays if someone is injured on your property or you accidentally damage someone else's property. Standard policies include $100,000–$300,000 in liability.
Covers hotel and living expenses if your home becomes uninhabitable after a covered loss. Typically covers 20–30% of dwelling coverage amount.
Standard homeowners insurance does NOT cover flood damage. You need a separate flood insurance policy through FEMA's National Flood Insurance Program or private insurers.
Earthquake damage is excluded from standard policies. California homeowners especially need separate earthquake coverage — typically $800–$3,000/year additional.