Independent home insurance research — clear data, honest sourcing, transparent about how we make money.
Our rate data comes from state insurance department filings, NAIC surveys, and industry sources — not from carriers paying us to feature them.
We build estimates from actual published rate data, updated regularly. Where exact figures aren't available, we say so and explain our methodology.
This site earns revenue through advertising and a lead-gen form. We explain both clearly in our editorial policy.
HomeInsuranceCalc.com was founded by Brad Burton, a digital publisher who has spent more than a decade building research-focused consumer tools in insurance, real estate, and personal finance. Brad is not an insurance agent or licensed broker. He does not provide personalized coverage recommendations.
The site was built on a simple observation: homeowners insurance is one of the most opaque purchases most people make. Rates vary by 10x from state to state, and most homeowners have no idea whether they're overpaying — or what's actually driving their premium — until something goes wrong. This site exists to close that information gap.
Questions or corrections? Reach us at editorial@homeinsurancecalc.com.
HomeInsuranceCalc.com exists to help homeowners understand what actually drives their insurance costs — so they can make better decisions at renewal time, after a claim, or when buying a new home. We cover average premiums by state, what risk factors push rates up or down, FAIR plan availability when private market options disappear, and the distinction between market value and replacement cost that trips up homeowners every year.
We don't pick winners among carriers. We don't rank insurers or recommend specific companies. Our job is to explain how the market works so you can ask better questions when you talk to an actual licensed agent.
Our rate estimates draw on several sources: state insurance department rate filings (public record in most states), the National Association of Insurance Commissioners (NAIC) annual homeowners data, industry surveys from the Insurance Information Institute (Triple-I), and publicly available carrier rate schedules.
For per-state pages, we research the dominant risk factors in each state — tornado alley exposure, hurricane zones, wildfire WUI classification, FEMA flood plain mapping — and cross-reference against state DOI consumer resources. Where official data is unavailable or ambiguous, we say so and link to the authoritative source rather than fabricate a figure.
Google AdSense (ca-pub-6932414267367848): This site displays advertising through Google AdSense. Google serves ads based on page content and visitor browsing history. We receive revenue when visitors view or click these ads. Advertisers do not influence our editorial content.
Lead-generation form (Formspree, form ID xpqbvdrd): The homepage includes an optional consultation request form. If you submit it, your contact information may be shared with licensed insurance agents or brokers who can provide actual policy quotes. We may receive compensation when a consumer is connected with an agent through this form. Using the calculator and reading all site content is completely free and requires no form submission.
These revenue streams fund the site's operating costs. They do not influence which states we cover, what rates we report, or what risks we describe. See our full editorial policy for sourcing details.
HomeInsuranceCalc.com is not a licensed insurance agency or brokerage. Nothing on this site constitutes personalized insurance advice. The cost estimates our calculator produces are informational starting points — not quotes. For a real quote, you need a licensed insurance agent in your state who can evaluate your specific property, location, and coverage needs.
We are not affiliated with any insurance carrier and do not receive payments from carriers to feature or promote their products. Your actual premium will differ from site estimates based on your home's characteristics, ZIP code, claims history, credit score, and the insurer you choose.
Spot an error? Rate data changes. Email editorial@homeinsurancecalc.com with the correction and source.