Calculate home insurance coverage for dwelling, personal property, and liability. Estimate your annual premium and check required endorsements. Free, no signup.
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.