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.
Homeowners insurance is one of those purchases most people make under time pressure — during a mortgage closing — and rarely revisit until they have a claim. By then, they often discover their policy has gaps: insufficient dwelling coverage, unexpected deductibles, or exclusions for the exact type of damage that just happened. Most of this is preventable with better information upfront.
HomeInsuranceCalc.com was built to give homeowners the information they need before they buy or renew: accurate cost estimates by state and home type, clear explanations of what different coverage levels actually protect, and guides on the coverage gaps that cause the most costly surprises at claim time.
Premium estimates are derived from rate data across major homeowners insurance carriers, regulatory filings from state insurance departments, and the National Association of Insurance Commissioners (NAIC) annual homeowners insurance report. Coverage guides draw on state insurance department consumer publications, IBHS research, and court decisions interpreting standard policy language.
When a figure cannot be confirmed from an official or peer-reviewed source, we present the methodology and direct you to verify directly rather than publishing an unconfirmed number as fact. Full details are on our Editorial Policy page.
We are an independent consumer research publisher. We are not a law firm, an insurance agency, or a financial advisory firm. Nothing on this site constitutes legal, financial, or insurance advice. The calculator and guides here are for informational purposes only and are intended to help you have more informed conversations with licensed professionals.
The site is free to use and supported by advertising. We may connect people who request it with licensed professionals in relevant fields — we may receive compensation for such referrals at no cost to you, and you are never obligated to engage anyone. Our research is produced independently of those commercial relationships.
Brad Burton is the founder and editor of HomeInsuranceCalc.com. Brad has spent over a decade building consumer-facing research tools across homeowners insurance, auto insurance, life insurance, mortgage calculations, and consumer financial research — translating complex regulatory and financial systems into plain-language resources that help people make informed decisions before consulting a professional.
His work is rooted in a straightforward observation: the institutions people deal with in these situations — insurance companies, courts, lenders, carriers — have access to data and expertise that most consumers simply don't. Building tools that close that information gap is the mission behind every site he publishes.
The site is maintained by a small editorial team. Content is reviewed for accuracy regularly and updated when laws, rates, or published research changes. We are not licensed professionals in the areas we cover, and we say so plainly — our role is to make reliable information accessible and point you toward the right experts when your situation requires one.
Questions, corrections, or data issues? Contact us — we read everything and respond to substantive factual questions.
Spot an error? Rate data changes. Email editorial@homeinsurancecalc.com with the correction and source.