Limits of a premium range
What the home insurance estimator does: 9 tools
- Home insurance estimator pick a state, set the rebuild cost and deductible by typing or by tapping the walls, door, window, roof and ground of a drawn house, see the price built step by step, check a quote you were given against it, and keep five versions side by side.
- State averages on a map the 2023 NAIC average premium for all 50 states and DC, in a sortable table with ranks and a state-to-state difference.
- Eleven countries compared the yearly premium in 11 countries on a world map, each marked as official, worked out from official totals or a comparison-site average.
- Deductible break-even how much a higher deductible saves, how many claim-free years it takes to pay back, and what a percentage hurricane deductible costs in dollars.
- NFIP flood premium path how a discounted flood policy climbs toward its full-risk price under the 18% yearly cap, and the gap above the federal limits.
- Wind mitigation saving (Florida) what a wind mitigation inspection could take off the hurricane part of a Florida premium.
- My Safe Florida Home grant check the 2026 conditions one by one, how the two-for-one match and $10,000 cap split the cost, your place in the statute's priority order and how fast your share pays back.
- Roof age and four-point rules (Florida) when an insurer can ask about roof age, when Citizens wants a four-point or roof form, and the cap on a separate roof deductible.
- New roof price and claim payout price a shingle or metal roof from your region, roof area and slope, then see what a storm claim pays on a replacement-cost or actual-cash-value policy.
The band is ours, the averages are not
The starting point is the NAIC's 2023 average for HO-3 owner-occupied policies in the state you choose, or the national one until you choose. The adjustments after it, for the amount insured, the deductible, a claim, a new build and credit, are ratios taken from the NAIC's own table or from quote surveys named beside each step. The step from 2023 to today's prices and the 15% band either side are our assumptions, and the estimator labels them that way. Figures for other countries come from regulators, statistics offices and insurers' associations, or, where those publish nothing, from comparison sites, each marked with its kind. Florida rules follow the 2026 Florida Statutes, the Department of Financial Services guide and Citizens' published inspection rules.
What a real quote takes into account
An insurer prices the exact address, the roof's age and material, past claims at the property and in your name, a credit-based insurance score where the state permits it, how the house is built and how much risk the company wants in your ZIP code. An average sees none of that, so a fair quote can land well away from our middle figure.
No advice
The pages describe published data and rules. They don't tell anyone to buy, keep, drop or change a policy, a coverage or an insurer.
No insurer, agency or government office runs this site. It has no connection with, and no endorsement from, an insurance company, the NAIC, FEMA, a state insurance department or the My Safe Florida Home program. It sells no policies, books no inspections and passes on no contact details.
A band of our own, not a quote. The figures are arithmetic on published averages and survey ratios applied to what you type in. Only an insurer can quote a price, and only your policy and its declarations page decide what is covered.
Flood, wind and Florida rules. A standard homeowners policy excludes flood. Florida discounts and grants follow the statute text dated on each page; money and conditions for the state program can move from one legislative session to the next.
Entries stay with you. The sums run in your own browser, and the inputs it remembers are listed key by key on the page about what your phone keeps.
Page reviewed: 2026-11-01
A figure out of date? Tell us. Flag an outdated figure
Edited