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Calcimator

Homeowners Insurance Calculator

Estimate your homeowners insurance premium based on dwelling replacement cost, deductible, and risk factors.

Inputs

$
years
$
$

Results

Monthly Premium

$106.50

≈ 7 movie tickets

Annual Premium$1,278.02
Dwelling Coverage$350,000.00
Contents Coverage (50%)$175,000.00
Other Structures (10%)$35,000.00
Loss of Use (20%)$70,000.00
How to Use This Calculator
  1. Enter the estimated dwelling replacement cost (not market value).
  2. Set your desired deductible and liability coverage amount.
  3. Enter your credit score and the number of homeowners claims filed in the last 5 years.
  4. Review the estimated monthly and annual homeowners insurance premium, along with the automatically calculated contents, other structures, and loss-of-use coverage.
  5. Use a licensed contractor's estimate or cost-per-square-foot data to establish an accurate replacement cost.

How the result changes with Credit Score

Credit ScoreMonthly Premium
355$154.43
493$154.43
658$127.80
795$90.53

What each input means

Dwelling Replacement Cost
Cost to rebuild your home from scratch (not market value). Typically $150-$300 per sq ft.
Home Age
Age of the home in years. Older homes have higher premiums.
Deductible
Amount you pay before insurance covers a claim.
Liability Coverage
Personal liability coverage limit.
Credit Score
Your credit-based insurance score affects your premium.
Claims in Last 5 Years
Number of homeowners claims filed in the past 5 years.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Dwelling Replacement Cost = 350000, Home Age = 15, Deductible = 1000, Liability Coverage = 300000 = 6 input(s) provided
  2. Calculate Monthly Premium
    Monthly Premium
    106.5 = $106.5
  3. Calculate Annual Premium
    Annual Premium
    1278.02 = $1,278.02
  4. Calculate Dwelling Coverage
    350000 = $350,000

Engine last updated . Checked against 2 independently-derived tests — how we verify calculators.

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