Property Protection
Home Insurance Calculator
Calculate your home insurance coverage needs and estimated premium.
Home Value
$
Current market value of your home
Property Type
Personal Property
$
Furniture, electronics, clothing, etc.
Deductible
Higher deductible = lower premium
Additional Coverage
Add optional coverages
Coverage
0%
Estimated Premium
$0
annual insurance cost
Dwelling Coverage
$0
Personal Property
$0
Liability Coverage
$0
Total Coverage
$0
📊 Coverage Breakdown
| Coverage Component | Amount | % of Total |
|---|
How the formula works
Premium = (Dwelling × 0.003) + (Personal Property × 0.005) + Liability × 0.001 + Add-ons − Deductible Discount
- Dwelling Coverage = 100% of Home Value (replacement cost)
- Personal Property = 50-70% of home value or as specified
- Liability Coverage = $300,000 standard (protects against lawsuits)
- Premium = Base rate based on coverage amounts, property type, and deductible
- Higher deductible = lower premium; Condos typically have lower rates