Homeowners Insurance Calculator
Homeowners insurance is priced against the cost to rebuild your home, not its market value. This calculator gives a rough premium estimate and its monthly equivalent.
Estimated annual premium
$1,400
$117 per month.
- Base premium
- $1,400
- Deductible adjustment
- $0
- Additional coverage
- $0
- Monthly escrow
- $117
Premium by deductible
| Deductible | Estimated annual premium |
|---|---|
| $500 | $1,540 |
| $1,000 | $1,400 |
| $2,500 | $1,260 |
| $5,000 | $1,148 |
What this means
Insuring $400,000 of rebuild cost at 3.5 per $1,000 gives an estimated $1,400 annual premium.
Raising the deductible lowers the premium but increases what you pay out of pocket after a claim. Flood and earthquake damage are excluded from standard policies and must be purchased separately. This is an estimate, not a quote.
How this calculation works
- A base rate is applied per $1,000 of dwelling coverage, adjusted for your deductible.
- Optional coverage such as flood or earthquake is added as a flat annual amount.
- Real quotes depend on claim history, construction, roof age, and local risk — treat this as a starting range.
All results are estimates based on the assumptions you enter. RE View does not provide financial, tax, or lending advice.
Related calculators
Related guides
- What Is Homeowners Insurance?
Coverage parts, what is excluded, and how premiums are set.
- What Costs More: Renting or Owning?
A category-by-category cost comparison of the two housing paths.