Calculators
Home Insurance Calculators
Dwelling replacement cost and personal property coverage, plus dedicated calculators for the highest-risk state markets, home warranty comparisons, and depreciation — all free, no signup.
Home insurance calculators
Live now — built around the 80% coinsurance rule that most simple calculators skip entirely.
Home Insurance Replacement Cost Calculator
LiveEstimate what it would cost to rebuild your home, and check for a coinsurance penalty.
Home Contents Insurance Calculator
LiveInventory your belongings by category and check for jewelry and valuables coverage gaps.
Home Insurance Depreciation & ACV Calculator
LiveCompare an actual cash value payout against full replacement cost on a specific item.
Home Warranty vs. Home Insurance
LiveSee the real annual cost of a home warranty, including service fees charged even on denied claims.
State calculators
The highest-risk home insurance markets, each with its own specific rules — hurricane deductibles, wildfire exposure, sewer backup gaps, and more.
Florida Home Insurance Calculator
LiveModels the hurricane percentage deductible per named storm and Citizens assessment risk.
California Home Insurance Calculator
LiveAccounts for FAIR Plan exposure and the wildfire risk driving recent rate changes.
Oklahoma Home Insurance Calculator
LiveModels the wind/hail percentage deductible behind the nation's highest average premiums.
Illinois Home Insurance Calculator
LiveFlags the sewer backup coverage gap between the default limit and what most homes actually need.
Massachusetts Home Insurance Calculator
LiveCovers the coastal/inland rate reversal and windstorm deductible unique to MA policies.
Missouri Home Insurance Calculator
LiveAccounts for New Madrid Seismic Zone risk and earthquake coverage, excluded from standard policies.
NYC Home Insurance Calculator
LiveBuilt for the HO-6 walls-in model co-op and condo owners actually need.
From the blog
Deep dives to help you get more out of every calculator above.
How Is Home Insurance Actually Calculated? Replacement Cost, Contents, and the 80% Rule
Why your premium isn't based on what you paid for your house, and how the 80% rule can shrink any claim, not just a total loss.
Read more →Home Warranty vs. Homeowners Insurance: What's Actually Covered
Two products that get confused constantly — and what happens when you assume the wrong one covers a broken appliance or a burst pipe.
Frequently asked questions
Before you pick a home insurance calculator.
Which home insurance calculator should I use?
Start with your state's dedicated calculator if one exists — Florida, California, Oklahoma, Illinois, Massachusetts, Missouri, and NYC each model risks specific to that market. Otherwise, the general Replacement Cost and Contents calculators cover the core coverage math anywhere.
What is the 80% coinsurance rule?
Most home insurance policies require you to carry dwelling coverage equal to at least 80% of your home's replacement cost. If you carry less, insurers apply a coinsurance penalty that reduces your claim payout proportionally — even on a partial loss, not just a total one.
Do these calculators account for state-specific risks like hurricanes or earthquakes?
Yes, where a dedicated state calculator exists — for example, the Florida calculator models hurricane percentage deductibles and the Missouri calculator accounts for New Madrid Seismic Zone earthquake risk, which standard policies exclude.
Are these calculators free?
Yes — every calculator on this page is free to use, with no signup or account required.