Home Insurance Coverage Calculator
Calculate your home insurance coverage needs, estimate annual premiums, and determine the right protection for your home and belongings.
Step 1: Home Details
Coverage Recommendation
Standard coverage is 80-100% of home’s replacement cost. Consider additional coverage for high-value items and natural disasters common in your area.
Step 2: Coverage Options
Average Premiums
National average: $1,200-1,500/year
Low-risk areas: $800-1,200/year
High-risk areas: $1,500-3,000+
Condos: Typically 20-30% less
Insurance Coverage Results
Recommended Annual Premium
Coverage Level Comparison
| Coverage Level | Annual Premium | Dwelling Coverage | Deductible |
|---|
Coverage Breakdown
Standard Homeowners Insurance Components
Dwelling Coverage: Covers the structure of your home
Personal Property: Typically 50-70% of dwelling coverage
Liability Protection: $100,000-$500,000 for injury/property damage
Additional Living Expenses: 20-30% of dwelling coverage
Medical Payments: $1,000-$5,000 for guest injuries
Factors Affecting Premium
What Increases Your Premium
• Older homes (pre-1980s)
• High-risk locations (flood zones, wildfire areas)
• Poor credit score
• Previous claims history
• Swimming pools/trampolines
• Wood-burning stoves
Discounts Available:
• Security systems (10-20%)
• Bundling auto/home (5-15%)
• New home (5-10%)
• Claim-free history (5-15%)
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