Home Insurance Calculator

Estimate homeowners insurance coverages and limits to best protect your home

Quickly calculate coverage limits for a homeowners policy, including dwelling, personal property, and liability coverage. By answering a few questions about your net worth, deductible preference, and the cost to rebuild your home and replace your belongings, the calculator can estimate coverages and explain how you’re protected. Before you quote, use our homeowners insurance calculator and get a head start on understanding what’s needed to safeguard your property and wallet.

Discover the right level of insurance for you

  • How much would it cost to rebuild your home?

    Why we ask: Dwelling coverage, or Coverage A, pays to repair or rebuild your home if it's damaged in a covered loss. Insurers will need to know the cost to rebuild your home so you'll have enough coverage in case your home is destroyed due to a covered peril.Opens in new tab

  • How much would it cost to replace your belongings?

    Why we ask: Personal property coverage, or Coverage C, insures your belongings — meaning anything that isn't attached to your home. If you were to lose everything you own in a fire, for example, you want enough personal property coverage to replace your belongings.

  • What is your net worth?

    Why we ask: Liability coverage, or Coverage E, provides financial protection if you or your household's residents are liable for bodily injury and/or property damage. You need enough coverage to account for all your assets in case you're sued because of injuries or damages at your home.

  • What do you prefer?

    Why we ask: You have the option to choose the deductible on your homeowners policy. A higher deductible can bring down your home insurance premium, but that means a bigger out-of-pocket expense in the event of a claim. A lower deductible can increase your premium, but you'll pay less out of pocket in case of a claim.

Estimated Coverages

Ready for a customized quote?

Take the next step and personalize your home insurance coverages and limits to your property and state. You’ll answer questions specific to your home and we’ll provide a customized quote.

This calculator is for illustrative and educational purposes only and is not intended to be a substitute for an insurance quote. Its accuracy and applicability to your circumstances is not guaranteed. You may wish to consult a licensed insurance professional regarding your particular circumstances.