Homeowners Insurance Dwelling & Premium Estimator

Estimate replacement dwelling coverage, personal liability limits, and approximate annual homeowners insurance premiums.

Dwelling Estimated Replacement Value$400,000

All-Peril Deductible

Estimated Annual Cost

$1,520/year

Approx. $127/month

Dwelling (Coverage A):$400,000

Personal Property (Coverage C):$200,000

Personal Liability:$300,000

Calculation Methodology

Estimates calculate dwelling replacement cost per square foot plus standard 50% personal property and 10% other structures endorsements.

Ensure dwelling coverage reflects current building reconstruction costs, not market real estate value.
Add water backup endorsements if you have a finished basement or sump pump.
Bundling home and auto insurance provides average discounts between 15% and 25%.