Our sourcing standards, revenue disclosures, and what we do when we get something wrong.
HomeInsuranceCalc.com publishes home insurance rate research for all 50 states and Washington, D.C. Our content covers average premiums, the risk factors that drive rates in each state, FAIR Plan availability, dwelling vs. replacement cost distinctions, and practical tips for lowering premiums. We also run a free cost estimator calculator on the homepage.
This is a consumer information site, not an insurance agency. Nothing here constitutes a policy quote or personalized coverage recommendation. For an actual quote, you need to speak with a licensed insurance agent or broker in your state who can evaluate your specific home, location, and coverage needs.
Home insurance rates are not filed publicly the way some financial data is — insurers file rate schedules with state insurance departments, but the resulting consumer-facing rates depend on dozens of property-specific variables. Our approach:
Where figures come from a single source, we note it. Where ranges are wide or data is limited, we say "approximately" or provide a range rather than a false-precision single number. We do not accept carrier-supplied data intended to make their products look favorable.
YMYL standard: Home insurance information affects significant financial decisions. We do not fabricate rate figures, invent FAIR Plan rules, or describe coverage provisions we haven't confirmed from an authoritative source. If we're uncertain, we link to the official source and tell you to verify.
Home insurance markets change — sometimes quickly. Florida lost a dozen carriers between 2020 and 2024. California's FAIR Plan doubled in size in three years. Oklahoma's rates climbed again after another severe hail season. We review state pages annually at minimum and update them when significant market events occur.
Each page shows "Updated [Month Year]" in the byline. If you're reading this site and something looks outdated — a rate that seems too low, a FAIR Plan that no longer operates as described, a carrier that has exited a market — please email editorial@homeinsurancecalc.com with the correction and a source link.
Google AdSense (publisher ID: ca-pub-6932414267367848): This site displays advertising through Google AdSense. Google selects ads based on page content and browsing context. We earn revenue when visitors interact with these ads. Advertisers have no influence over what we write, which states we cover, or what rates we report. We do not accept sponsored content disguised as editorial.
Lead-generation form (Formspree, form ID xpqbvdrd): The homepage includes an optional consultation request form. If you choose to submit it, your contact information may be shared with licensed insurance agents or brokers who can provide actual quotes for your property. We may receive compensation when a consumer is connected with an agent through this form. This form is optional — you can use the calculator and read all content on this site without submitting it. Submitting the form does not affect the rates or information shown on this site.
These revenue sources fund the operational costs of running this site. They do not determine our editorial coverage or the accuracy of the information we publish.
A short list of things this site will not do, regardless of revenue opportunity:
Brad Burton is the founder and editor of HomeInsuranceCalc.com. He has spent more than a decade building data-driven consumer tools across insurance, real estate, mortgage, and personal finance. He is not a licensed insurance agent, actuary, or broker, and nothing he writes constitutes personalized insurance advice.
Brad founded this site because the homeowners insurance market is genuinely opaque — rates vary enormously by ZIP code and home characteristics, FAIR Plans operate differently in every state, and the gap between market value and replacement cost catches thousands of homeowners off guard every year. The goal of this site is to close some of that information gap.
Contact: editorial@homeinsurancecalc.com
We correct errors promptly. If a rate figure is wrong, a FAIR Plan description is outdated, or a DOI link has changed, email us with the correct information and a source. We'll update the page and note the correction date in the byline.
We do not delete published corrections silently. If we got something materially wrong, we fix it and acknowledge the change. That's the only way to maintain trust with readers who are making real financial decisions based on this information.
Questions about our methodology or a specific data point? editorial@homeinsurancecalc.com