Estimate your homeowners insurance premium — dwelling, personal property, liability & optional riders
2026 rates · HO-3 standard policy · NAIC / III data · All 50 states
Property details
Location & hazard risk
NoYes — high-risk zone (+35%)
NoYes — within 25 mi coast (+28%)
NoYes — seismic zone (+12%)
Coverage amounts
$
Cost to rebuild your home — not market value. National avg ~$165/sq ft in 2026. Enter square footage above for a suggestion.
$
Furniture, electronics, clothing, appliances, sports equipment. Tip: do a room-by-room inventory.
Home features & safety
NoYes (+liability surcharge)
NoYes (+injury risk)
Optional riders & endorsements
Standard HO-3 policies exclude flood, earthquake, and many specialty items. Select the riders you need.
Policy options & discounts
Pays full rebuild cost vs depreciated ACV
Yes (recommended)No — ACV only
NoYes (−10%)
NoYes (−5%)
NoYes (−8%)
Estimated annual premium
—
Methodology: Base premium uses a 0.54% national average rate of dwelling value (NAIC 2026 data; national avg $2,377/yr on $440K home).
State multipliers from NAIC state average premium filings. Reconstruction cost benchmark $165/sq ft (RSMeans 2026 national average).
Flood and earthquake damage are excluded from standard HO-3 policies — separate NFIP/private policies required.
Wood shake roofs, pools, trampolines, and wood stoves carry liability/hazard surcharges with most carriers.
Actual rates require property inspection and underwriting review. Visit
NAIC.org,
III.org, or your state DOI for licensed insurer lists.
