How much does homeowners insurance cost per year?

The national average homeowners insurance premium is approximately $1,428 per year for $250,000 dwelling coverage, though rates vary significantly by state, home age, credit score, and risk factors. Premiums range from roughly $500/year in low-risk states to $4,000+/year in hurricane-prone coastal areas. Use our free calculator above to get a personalized estimate based on your property details.

How is dwelling rebuild cost calculated for home insurance?

Dwelling rebuild cost (replacement cost) is calculated by multiplying your home's total square footage by the average construction cost per square foot in your state. For example, a 2,000 sq ft home in Texas at $150/sq ft costs $300,000 to rebuild. Older homes typically require 10–15% extra for code upgrades. Our tool uses CoreLogic-sourced state-level rebuild cost averages updated for 2026.

How much does NFIP flood insurance cost in 2026?

Under FEMA's Risk Rating 2.0, NFIP flood insurance premiums vary by zone: low-risk zones (X/C) average $400–900/year, moderate-risk zones (X-shaded/B) average $750–1,500/year, and high-risk zones (A/V) average $1,500–5,000+/year for $250,000 building / $100,000 contents coverage. Premiums depend on elevation, foundation type, basement presence, and distance to flood source. An elevation certificate can reduce premiums by up to 30%.

What is HO6 condo insurance and how much does it cost?

HO6 (walls-in) insurance covers the interior of your condo or townhome unit — drywall, flooring, fixtures, and personal belongings — since the HOA master policy only covers the building exterior and common areas. Typical HO6 premiums range from $400–800/year for $30,000 interior coverage and $300,000 liability. Our HO6 calculator estimates costs based on your unit's square footage, finish level, and personal property value.

What factors affect home insurance premiums the most?

The top factors affecting home insurance rates are: (1) location — hurricane, wildfire, and crime risk by state/zip, (2) dwelling rebuild cost — your home's size and local construction costs, (3) home age — older homes cost more to insure, (4) credit score — except in CA, MA, and HI where it's banned, (5) deductible amount — higher deductibles lower premiums, (6) risk features — pools, trampolines, old wiring increase costs, and (7) claims history — recent claims raise rates.

Can I use this calculator without sharing personal information?

Yes — HomeInsureCalc is 100% private. All calculations run entirely in your browser using JavaScript and localStorage. We never collect, store, or transmit your home address, property details, credit information, or personal data. There is no registration, no account creation, and no sales follow-up. This is the key difference between our tool and most insurance quote websites that require personal details and trigger sales calls.

How much personal property coverage do I need?

Most homeowners need personal property coverage equal to 50–70% of their dwelling coverage. For a home insured at $300,000, that means $150,000–210,000 in personal property protection. However, you should itemize your belongings — furniture, electronics, clothing, jewelry, appliances — to get an accurate estimate. High-value items like engagement rings, fine art, and collectibles may require scheduled personal property endorsements beyond standard policy limits.

Where can I find home insurance rates by state?

Our calculator provides state-specific rebuild costs and risk factors for all 50 US states, including Alabama, and Wyoming — select your state from the dropdown to get localized estimates.

Free Home Insurance Calculator 2026

Estimate homeowners insurance premiums, dwelling rebuild costs, personal property coverage, NFIP flood insurance, and condo HO6 rates — all in one place, 100% private. No sign-up, no data collection, no sales calls. Your numbers stay in your browser.

⚠ Estimates only — consult a licensed agent for official quotes

🔒 No personal data uploaded. All information stays in your browser (localStorage). No sales calls, no spam. Last reviewed: June 2026

Select Your StateLocalized rebuild costs & risk factors

→

Enter Home DetailsSquare footage, year built, features

→

Set Your CoverageDeductible, liability, property limits

→

Get Your EstimatePremium, score, comparison & savings

🏛️Powered by FEMA Risk Rating 2.0 & CoreLogic data

🗺️All 50 US states — localized rebuild costs

🔒100% Private — no data leaves your browser

📋Independent tool — no insurance company affiliation

🔄Updated June 2026 with latest rates

Estimated Annual Home Insurance Premium

Per Month

Rebuild Cost

Property Coverage

—

Coverage Score

Coverage Adequacy Assessment

Enter your property details and calculate to get your personalized coverage adequacy score.

Score range: 0–100 (F to A+). Based on dwelling-to-rebuild and property-to-dwelling ratios against industry standards.

Dwelling Coverage

Personal Property

Liability

$300,000

📊 How Your Estimate Compares

Calculate to see comparisons

📈 10-Year Premium Projection (Inflation-Adjusted) ▼

Year	Annual Premium	Cumulative Increase

💡 What-If — Explore Savings Opportunities

Click any scenario to see how adjusting your coverage impacts your premium.

🏗️

Property Details

State

Living Area (sq ft)

Home Type

Year Built

Finish Quality

Current Dwelling Coverage ($) (optional — to assess gap)

📦

Itemize Your Belongings

Default values based on national averages

Current Personal Property Coverage ($) (optional — to assess gap) Check your policy declarations page. Leave blank for auto-match.

🌊

Flood Zone & Property Details

Flood Zone Risk Level Check your FEMA Flood Map to confirm your zone

Deductible

Building Coverage ($)

Contents Coverage ($)

🏚️ Has Basement (+25%)

📋 Has Elevation Certificate (−30%)

Rates based on FEMA Risk Rating 2.0 general benchmarks. Actual premiums determined by elevation, flood source distance, foundation type, and claims history.

🏢

Interior-Only Coverage (Walls-In)

HO6 does not cover building exterior — that's the HOA's responsibility

Interior Living Area (sq ft)

Interior Finish Level

Personal Property Value ($)

Liability Coverage

Deductible

📋 Include Loss Assessment Coverage ($2,500 HOA assessment)

All scenarios are stored locally in your browser (localStorage). Nothing is uploaded to any server. You can save up to 20 scenarios.

📚 Home Insurance Guides & Resources

📖 2026 Complete Guide To Homeowners Insurance Cost & Coverage Learn what affects your rate, how coverage works, and how to save. 🏗️ How To Calculate Accurate Dwelling Rebuild Cost Replacement cost vs market value — why the difference matters. 📦 Personal Property Coverage: How Much Do You Need? Room-by-room inventory method, high-value items, and sublimits. 🌊 NFIP Flood Insurance Premium Calculator & Zone Cost Guide 2026 FEMA Risk Rating 2.0 explained — what each zone costs. 🏢 HO6 Condo Insurance: Full Cost & Coverage Breakdown Walls-in coverage explained — what your HOA covers vs. what you need.

What Is a Home Insurance Calculator?

A home insurance calculator (or homeowners insurance cost estimator) is a free online tool that helps US homeowners estimate their annual home insurance premium based on their property's characteristics — including location, square footage, home age, construction type, deductible, and risk factors. Unlike insurance quote websites that require personal information and trigger sales calls, our calculator runs entirely in your browser using JavaScript and localStorage. It combines state-level rebuild cost data (sourced from CoreLogic), FEMA Risk Rating 2.0 flood insurance benchmarks, and insurance industry risk factors (Insurance Information Institute) to produce an instant, private estimate with no registration required.

🗺️ Home Insurance Costs — Estimated Rates by State

Select your state in the calculator above to get a localized home insurance estimate based on state-specific rebuild costs and risk factors.

AlabamaAlaskaArizonaArkansas CaliforniaColoradoConnecticutDelaware FloridaGeorgiaHawaiiIdaho IllinoisIndianaIowaKansas KentuckyLouisianaMaineMaryland MassachusettsMichiganMinnesotaMississippi MissouriMontanaNebraskaNevada New HampshireNew JerseyNew MexicoNew York North CarolinaNorth DakotaOhioOklahoma OregonPennsylvaniaRhode IslandSouth Carolina South DakotaTennesseeTexasUtah VermontVirginiaWashingtonWest Virginia WisconsinWyoming

Estimates based on average single-family home (2,000 sq ft) with $250,000 dwelling coverage and $1,000 deductible. Actual premiums vary by insurer, credit score, claims history, and specific property characteristics. View full methodology →

Free Home Insurance Calculator 2026

Property Details

Coverage Adequacy Assessment

📊 How Your Estimate Compares

🔍 Why This Estimate

💰 How Much Can You Save?

📊 Annual Premium by Deductible Level

🛡️ Standard HO-3 Homeowners Policy Breakdown

💲 Rate per $1,000 Dwelling Coverage

📈 Credit Score Impact

💡 What-If — Explore Savings Opportunities

Property Details

Coverage Gap Analysis

Itemize Your Belongings

Property Breakdown

Coverage Adequacy

Flood Zone & Property Details

Risk Level

Interior-Only Coverage (Walls-In)

Coverage Breakdown

📚 Home Insurance Guides & Resources

What Is a Home Insurance Calculator?

🗺️ Home Insurance Costs — Estimated Rates by State

Free Home Insurance Calculator 2026

How to Estimate Your Home Insurance

🏠 Standard Home Insurance Premium Estimator

Property Details

Coverage Adequacy Assessment

📊 How Your Estimate Compares

🔍 Why This Estimate

💰 How Much Can You Save?

📊 Annual Premium by Deductible Level

🛡️ Standard HO-3 Homeowners Policy Breakdown

💲 Rate per $1,000 Dwelling Coverage

📈 Credit Score Impact

💡 What-If — Explore Savings Opportunities

🏗️ Dwelling Rebuild Cost Calculator

Property Details

Coverage Gap Analysis

📦 Personal Property Coverage Estimator

Itemize Your Belongings

Property Breakdown

Coverage Adequacy

🌊 Flood Insurance (NFIP) Premium Calculator

Flood Zone & Property Details

Risk Level

🏢 Condo / HO6 Townhome Insurance Calculator

Interior-Only Coverage (Walls-In)

Coverage Breakdown

💾 Saved Insurance Scenarios

📚 Home Insurance Guides & Resources

What Is a Home Insurance Calculator?

🗺️ Home Insurance Costs — Estimated Rates by State