About $3.85 per $1,000 of dwelling replacement, adjusted for deductible, frame vs masonry, and a coastal flag. Not a CAT-model quote.

Replacement cost vs market value?

Use rebuild cost. Market value includes land, which is not insured.

Flood is a separate NFIP or private policy. The coastal checkbox only lifts the HO sketch.

Runs in your browser · Last updated 4 September 2026

Homeowners Insurance Premium Estimator (US)

Free US homeowners insurance premium estimator. Sketch an HO-3 from dwelling replacement, deductible, and coastal exposure. Browser tool — nothing is uploaded.

Dwelling replacement ($)DeductibleConstructionCoastal / hurricane-exposed ZIP

Replacement-cost sketch using ~$3.85 / $1,000 dwelling. Not a quote.

Estimated annual

$1,348

Estimated monthly

$112.29

How to use this tool

Enter dwelling replacement cost — not the Zillow price.
Set deductible, construction, and coastal exposure.
Use the annual number as a budget line, then request a binder.

Worked example

$350,000 rebuild, $2,500 deductible, frame, inland: about $1,350 a year at $3.85 / $1,000. Coastal frame is materially higher.

Frequently asked questions

What rate is used?: About $3.85 per $1,000 of dwelling replacement, adjusted for deductible, frame vs masonry, and a coastal flag. Not a CAT-model quote.
Replacement cost vs market value?: Use rebuild cost. Market value includes land, which is not insured.
Wind / flood?: Flood is a separate NFIP or private policy. The coastal checkbox only lifts the HO sketch.
Quote?: No. Estimator only.
Uploaded?: No.