Home Insurance Calculator
Budgeting for a new house? Estimate your annual and monthly homeowner's insurance premiums. Factor in your home's rebuild value, desired deductibles, and local risk multipliers to see what to expect at closing.
Last updated: February 24, 2026
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Not market value—cost to rebuild.
Out-of-pocket cost per claim.
Estimated Premiums
Monthly Cost
$102
Annual Total
$1,225
Estimates Only. Actual premiums vary wildly based on individual credit scores, claims history, exact ZIP codes, and unmapped hyper-local risks.
The Three Levers of Insurance Pricing
The single largest factor in your rate is the cost to reconstruct the home. A $1M concrete mansion costs more to insure than a $200K wood-frame cabin simply because the insurer is liable for a larger potential payout. Ensure you enter rebuild cost, not real estate market value.
If a tree falls on your roof causing $10,000 in damage, a $1,000 deductible means you pay $1k and insurance pays $9k. If you choose a $5,000 deductible, you save heavily on your monthly premium, but must be prepared to float $5k in cash in an emergency before the policy helps.
Location is arguably as important as home value. An identical $300,000 home might cost $900/year to insure in Ohio but $4,500/year to insure in South Florida. Proximity to coastlines, local crime rates, and fire department access drastically skew base rates.
Frequently Asked Questions
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