Estimate how much home insurance coverage you need and what it might cost. Includes dwelling, personal property, and liability coverage. Free home insurance guide.
A homeowner in California has a $350,000 policy but her home was built in 1985 with custom features — she wonders if that covers full replacement.
Result: Calculator estimates replacement cost at $520,000 — she immediately increases coverage by $170,000 before wildfire season.
A first-time buyer in Texas closing next month needs to get homeowners insurance before closing but has no idea how much coverage to get.
Result: Calculator shows $295,000 dwelling coverage, $147,000 personal property, $300,000 liability recommended — she shops confidently.
A homeowner in Florida paying $3,800/year wants to know if installing a security system and impact windows justifies the upfront cost.
Result: Impact windows save estimated $740/year in premium — payback period is 4.7 years on a $3,500 window upgrade.
Dwelling coverage should equal full replacement cost (not market value). Personal property is usually 50-70% of dwelling. Liability of $300K-$500K is recommended for most homeowners.
Replacement value is the cost to rebuild your home from scratch with current materials and labor. Market value includes land and location and is usually higher than rebuild cost.
The US average is around $1,800-$2,400/year, but high-risk areas (hurricane, wildfire, flood zones) can run $4,000-$10,000+. Your deductible and coverage limits also drive cost.
No — standard policies exclude flood. You need a separate NFIP or private flood policy. Earthquake coverage is also typically a separate add-on.
Yes — every FreeFixo tool, including the Home Insurance Estimator, is 100% free with no paywall, no premium tier, and no usage limits. You do not need to create an account, enter a credit card, or share an email.
The Home Insurance Estimator uses the same formulas, rates, and reference data that financial planners, professionals, and government sources publish. Results are estimates intended for planning and education — for situations involving large sums or legal consequences, confirm with a qualified professional before acting.