Homeowners Insurance Cost Calculator

Estimate your homeowners insurance premium.

Your Insurance Estimate

Estimated Annual Premium
Monthly Cost
Dwelling Coverage
Your Deductible
Estimated Total

⭐ Top-Rated Picks: Home Safety Products

Products that can lower your premium:

Home Security Systems ↗ Smoke/CO Detectors ↗ Smart Water Leak Detectors ↗

As an affiliate, we may earn from qualifying purchases.

Homeowners Insurance Cost Guide

The national average homeowners insurance premium is about $1,900/year for $300,000 in coverage. Rates vary widely by state.

How to Lower Your Premium

Raise your deductible, bundle with auto insurance, install security systems, improve credit, and shop around every 2-3 years.