Home/Renters Insurance Estimator
Directional annual premium estimate for homeowners or renters coverage.
🔒 Runs entirely in your browser — nothing here is ever uploaded
About the Home/Renters Insurance Estimator
Estimates annual homeowners or renters insurance premiums from coverage amount, a broad state cost tier, and (for homeowners) claims history, using published national-average rate data.
- Choose Homeowners or Renters.
- Enter your dwelling coverage (homeowners) or personal-property coverage (renters).
- For homeowners, select your claims history.
- Select a broad state cost tier.
- Read your estimated annual and monthly-equivalent premium.
Homeowners, $300,000 dwelling coverage, national-average tier, no claims: about $2,872/year. Renters, $30,000 personal property: about $216/year.
| Policy type | Coverage basis | National average |
|---|---|---|
| Homeowners | $300,000 dwelling coverage | $2,872/year |
| Renters | $30,000 personal property | $216/year |
This is an illustrative, directional estimate — not a real quote. Real premiums come from an insurer's underwriting of construction type/age/roof condition, exact location risk zones, credit-based insurance score, deductible, and bundling discounts.
- • Hawaii is the cheapest state for homeowners insurance on average; Oklahoma, Florida, Louisiana are among the most expensive.
- • Renters insurance is far cheaper than homeowners since it only covers belongings and liability, not the structure.
- • A claims-free history is one of the few factors within your control that meaningfully lowers homeowners premiums.
- NerdWallet — How Much Is Homeowners Insurance? Average 2026 Rates — accessed 2026-08-30
- Insurance.com — How much is renters insurance in 2026? — accessed 2026-08-30
Illustrative estimate only, not financial or tax advice. Verify figures with a licensed adviser or your local tax authority.