Home Insurance Calculator

Estimate homeowners insurance coverages and limits to best protect your home

Quickly calculate coverage limits for a homeowners insurance policy, including dwelling coverage, personal property coverage, and personal liability coverage. By answering a few questions about your net worth, deductible preference, and the cost to rebuild your home and replace your belongings, our property insurance calculator can estimate home insurance coverages and explain how you’re protected.

Before you get a home insurance quote, you can use our calculator^* to help understand what’s needed to safeguard your property and wallet.

How is homeowners insurance calculated?

Dwelling coverage (Coverage A) on your policy, which protects your home’s structure, as well as other structures (Coverage B), which covers structures not attached to the main dwelling, is typically calculated by determining how much it would cost to replace your home and/or other structure. There are many factors that play into this, including but not limited to:

Labor and material costs
Supply chain disruptions
Fluctuating market trends for your area

All these factors often go into determining your replacement cost, and why you may periodically see your homeowners insurance cost change as the market changes.

Personal property coverage (Coverage C) limits are calculated by taking a percentage -- such as 50% -- of your dwelling coverage. For instance, if you’re dwelling coverage is set at a $300,000 limit, your homeowners policy will offer $150,000 for personal property coverage.

Loss of use coverage (Coverage D) limits are typically determined by taking some percentage – such as 10% or 20% -- of your dwelling coverage limit. For example, if your dwelling coverage is $300,000, then your loss of use coverage limit will be $30,000 or $60,000.

Personal liability coverage (Coverage E) limits typically range from $100,000 to $500,000 on standard homeowners insurance policies. If you need more than $500,000 in personal liability coverage, consider an umbrella insurance policy.

Estimating home insurance cost

Keep in mind that inflation and materials cost can rise and fall depending on the market, so what initially could have been enough coverage to replace your house when you purchased your policy may not hold true in an ever-changing market. To keep your home insurance rate affordable and up to date, it’s best to review your policy annually to ensure you’re keeping up with market trends, have sufficient coverage, and to check available homeowners insurance discounts to see if you can lower your rate.