Home Insurance Cost Calculator

v1.0

Estimate annual homeowners insurance premium based on dwelling rebuild cost and a typical rate of $3.50-$7.00 per $1,000 of coverage, plus optional flood or earthquake riders.

Home Insurance Cost Calculator

Estimate annual homeowners insurance premium based on dwelling rebuild cost and a typical rate of $3.50-$7.00 per $1,000 of coverage, plus optional flood or earthquake riders.

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Coverage Inputs

Typical industry range is $3.50 – $7.00 per $1,000 of dwelling coverage. Current: $5.00

Estimated Premium

Estimated Annual Premium

$1,750

Base: $1,750 · Monthly: $146

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A common rule of thumb estimates annual premium as the dwelling rebuild cost divided by 1,000, multiplied by a rate typically between $3.50 and $7.00 per $1,000 of coverage.
No. Standard homeowners policies typically exclude flood and earthquake damage; these require separate riders or standalone policies, which this calculator lets you add as flat annual costs.
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Nuværende version: v1.0
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