Your home and coverage
Enter your home's rebuild cost (not market price) and a few details. Numbers update as you type.
How this is calculated
We start with an average base rate per $1,000 of dwelling coverage for your state (California, Texas, and Florida sit higher; Ohio, Michigan, and Pennsylvania sit lower). That base is multiplied by:
- Age of home: 1.0x new, up to 1.3x for homes 50+ years old (older plumbing and electrical = more risk).
- Construction: masonry runs about 0.9x (fire resistant); mixed about 0.95x.
- Claims: 1 claim ~1.2x, 2+ claims ~1.5x.
- Deductible: $500 baseline. Raising it lowers premium (roughly 8-12% per step up).
- Add-ons: flood (typical $500-$1,200/yr separate NFIP policy), earthquake (~0.5% of dwelling/yr in CA), jewelry rider (~$1-$2 per $100 of value, estimated at $25k coverage = $300/yr).
This is a budgeting estimate based on national average rates. Real quotes depend on your ZIP code, credit-based insurance score, roof age, distance to fire hydrant, prior carrier, and many other factors. Always shop 3-5 carriers.