Estimate homeowners insurance premiums by home value, location, and coverage needs. Compare deductible options and coverage levels to find the right balance.
Usually = rebuild cost
$203/month
Coverage cost ratio
HO-3 Standard
| Dwelling Coverage (A) | $350,000 |
| Other Structures (B) | $35,000 |
| Personal Property (C) | $175,000 |
| Loss of Use (D) | $70,000 |
| Liability (E) | $300,000 |
| Medical Payments (F) | $5,000 |
| Deductible | $1,000 |
| Estimated Annual Premium | $2,437 |
| Monthly Premium | $203 |
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Base Premium = Dwelling Coverage ÷ $1,000 × Regional Rate
Adjustments: Deductible (−5-22%), Home Age (+5-20%), Credit (+/−10-35%)
Personal Property = ~50% of Dwelling Coverage
National average is ~$2,200/yr for $300K coverage. It ranges from ~$1,000/yr in low-risk states to $5,000+ in high-risk areas like Oklahoma and Louisiana.
Standard HO-3 covers dwelling, other structures, personal property, loss of use, liability, and medical payments. Floods, earthquakes, and maintenance are excluded.
Raising deductible from $1,000 to $2,500 typically saves 10-15% on premiums. A $5,000 deductible can save 20-25%. Choose based on your emergency fund.
HO-3 covers dwelling on open-peril basis but personal property on named-peril only. HO-5 covers both on open-peril basis — broader protection, typically 5-10% more expensive.
Minimum $100K, but $300K-$500K is recommended. If your assets exceed your liability coverage, consider an umbrella policy ($1M+ for $200-$400/yr).
Calculations are for educational purposes only. Consult a qualified financial advisor for personalized advice.