1 Step 1 — Select Your State
2 Step 2 — Select Your City (Optional)
No city selected — showing statewide average. Pick a city above for a more precise estimate.
3 Step 3 — Dwelling Coverage (Rebuild Cost)
Rebuild cost — not purchase price or market value. Land is excluded. Scaled using a 3-tier actuarial model based on filed rate manuals.
4 Step 4 — Choose Your Deductible
Higher deductibles lower your premium — the amount you pay out-of-pocket before insurance kicks in.
Estimated Annual Premium
$0
Low Estimate$0
High Estimate$0
Monthly Premium$0/mo
±13% typical spread between top carriers for the same home
vs. national average ($2,490/yr): —
All States — 2026 Average Premiums
| State | Annual | /mo | vs. Avg |
|---|
Base: $300K dwelling coverage, $1,000 deductible. Sources: Insurify, NerdWallet, Insurance.com (2026).
Disclaimer: Estimates are based on 2026 statewide and city-level averages and are for informational purposes only.