Home Insurance Calculator
Homeowners insurance premiums vary wildly by state — Florida, Louisiana, and Oklahoma carry hurricane and severe-weather loads that can make the same house cost three times what it would in Hawaii or California. This calculator estimates an annual premium from your replacement cost, location, deductible, construction, and the discounts most insurers actually give credit for.
Cost to rebuild your home, not the market value.
Where the home is located.
Older homes carry higher rates from outdated wiring, plumbing, and roofs.
Masonry resists wind better than frame.
Higher deductible lowers your premium.
Most insurers credit 3 and 5 year claim-free milestones.
Typical ~5% discount.
Typical ~10% discount in wind states.
Typical ~7% discount.
$346 / month — $1,739 vs. national average ($2,415) for FL.
$4,154 annual premium
- Property (A + B)
- $2,493
- Contents & loss-of-use (C + D)
- $1,163
- Liability & med pay (E + F)
- $498
- Monthly premium
- $346 / mo
- National average
- $2,415
- FL vs. national
- $1,739
Free during pilot
How your insurance premium is estimated
We start with a state base rate per $1,000 of dwelling coverage — Florida ($14/$1K), Louisiana ($13.50/$1K), Oklahoma ($13/$1K), and Texas ($11.50/$1K) sit at the top because of hurricane, severe-storm, and reinsurance pressure. Hawaii ($3.50/$1K), Delaware ($4/$1K), and Idaho ($4/$1K) sit at the bottom.
Annual premium = (Replacement cost ÷ 1000) × State rate × Factors
Factor adjustments
- Deductible — higher deductibles reduce premium along standard ISO factors (1.10× at $500, 0.78× at $5,000).
- Home age — premiums step up as the home ages past 25 and 50 years (older wiring, plumbing, roof systems).
- Construction — masonry beats frame in wind states; mixed sits between.
- Discounts — monitored alarm (~5%), impact windows (~10%), new roof (~7%), claim-free 3 years (~5%), claim-free 5+ years (additional ~3%).
Coverage breakdown
We split the premium across the six standard HO-3 coverages: Dwelling (A), Other Structures (B = 10% of A), Personal Property (C = 50%), Loss of Use (D = 20%), Liability (E = $300k typical), and Medical Payments to Others (F = $5k typical).
Estimates only — not a quote or a bindable policy price. Real-world homeowners insurance premiums depend on dozens of factors not modeled here: protection class (distance to a fire hydrant and station), flood zone, prior loss history, credit-based insurance score, and specific carrier underwriting appetite. Florida residents in particular should expect material variation from this estimate as wind, flood, and reinsurance markets shift each renewal cycle. For an actual quote, contact a licensed insurance agent. Methodology last reviewed: May 26, 2026.