Home Premium Estimator

The national average for homeowners insurance is about $102/month ($1,225/year) for a $350,000 home with a $1,000 deductible. Your actual cost depends on your home's value, age, construction type, location (especially coastal risk), roof condition, credit score, and claims history.

Home insurance rates are driven by 18+ factors: home value and replacement cost, age and construction type, roof age and material, location (coastal/wildfire risk), protection class (fire department proximity), deductible, coverage form (HO-3 vs HO-5), credit tier, claims history, and liability hazards like dogs, pools, and trampolines.

Yes, if the damage is from a covered peril (wind, hail, fire). Most HO-3 policies cover roof replacement on a replacement cost basis minus your deductible. If your roof is over 20 years old, you may only get actual cash value (depreciated amount). Some carriers now restrict wind/hail coverage on roofs over 15-20 years.

Increase your deductible from $500 to $1,000 (saves ~10%), bundle with auto (saves 10-20%), install safety devices like fire and burglar alarms (saves 5-12%), improve your credit score, maintain your roof (replace if over 20 years), and shop your rate every 1-2 years.

HO-3 (Special Form) covers your dwelling for all perils except those specifically excluded, but covers personal property only for named perils. HO-5 (Comprehensive Form) covers both dwelling and personal property for all perils except exclusions. HO-5 typically costs 20-25% more but provides broader protection for your belongings.