Estimate annual home insurance premiums generally from home value and coverage choices.
Home insurance premium estimate generally: a reference rate (usually 0.3–0.6% of home value annually) applied to the home value. Actual prices vary by location, rebuild cost, claims and credit.
Premium
Premium = home value × coverage rate
Approximate estimate.
Rates vary by state, insurer, rebuild cost, deductible, pets, pool and claim history.
Rates are approximate reference values. Local rates, exemptions and rules can differ, so treat the output as a planning figure only.