Home insurance estimator
A state-level baseline premium plus hazard add-ons. Always compare carrier quotes for an accurate rate.
Inputs
/ year
NFIP baseline
Recommended dwelling coverage at replacement cost: about $500,000. Quotes typically vary by carrier, claim history, and deductible choice.
Frequently asked questions
Why do insurance premiums vary so much by state?
Weather risk drives most variation: hurricane-prone coastal states, wildfire-prone western states, and hail-prone plains states see materially higher premiums. Losses flow through to rates.
Is standard homeowners insurance enough for floods?
No. Standard policies exclude flood damage. Flood coverage is typically bought separately through NFIP or a private flood insurer.
How much dwelling coverage do I need?
Typically set dwelling coverage to estimated replacement cost, not purchase price. Market value can include land, which is not rebuildable. A common starting point is 1.2x to 1.3x purchase price in higher-cost states.
Data sources
- NAIC homeowners premium data: state-level averages
- FEMA NFIP policy data