Calculate home insurance coverage for dwelling, personal property, and liability. Estimate your annual premium and check required endorsements. Free, no signup.
A homeowner in California in a high-fire-risk zone has a $380,000 policy but her neighbor just rebuilt for $520,000 after a fire — raising serious concerns.
Result: Replacement cost calculator shows she needs $515,000 dwelling coverage — she immediately increases policy and adds extended replacement cost rider.
A couple in Georgia closing on their first home next month needs homeowners insurance before closing but has never bought it before.
Result: Calculator shows exact dwelling, personal property, and liability amounts needed — they shop 3 quotes with specific numbers and save $340/year versus the first quote.
A homeowner in New York has $45,000 in jewelry, $12,000 in cameras, and $8,000 in musical instruments — standard personal property limits may not cover them.
Result: Guide reveals standard jewelry limit is typically $1,500 — he adds scheduled personal property endorsement for full coverage of all items.
You need at least enough to rebuild your home (replacement cost) — not its market value. Replacement cost includes current material and labor prices, which can be 20-50% higher than market value in some areas.
Market value includes land, location, and demand factors. Replacement cost is purely the cost to rebuild the structure. Always insure for replacement cost, not market value, to avoid being underinsured.
Standard homeowners insurance does NOT cover flooding. You need a separate NFIP flood insurance policy if you are in a flood zone. Our risk assessment identifies if you need flood coverage based on your location type.
Common deductibles are $500, $1,000, or $2,500. Higher deductibles mean lower premiums. Since most people file 1 claim per 10 years on average, a higher deductible often saves money overall.
Install security systems, smoke and CO detectors, deadbolts, and storm shutters for discounts. Bundle with auto insurance, stay with one insurer long-term, maintain good credit, and shop quotes annually.
An umbrella policy adds $1M+ of extra liability coverage on top of your home and auto policies for about $150-$300/year. It is worth it if you have significant assets, a swimming pool, a trampoline, or domestic employees.