Using the figures fairly
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.
Cost
None. No account or registration is asked for.
What you may do
Work out figures for your own house, keep or print what you get, and link to whichever page you like. Quoting a figure is fine when you credit the page it came from; copying whole pages onto another site is not. The NAIC averages are credited to the NAIC and, for 2013 to 2022, to the Insurance Information Institute's tabulation; the NAIC does not endorse conclusions drawn from its data.
Links to other sites
Links lead to regulators, FEMA, the GAO, the Florida Legislature and, from the sources page, the survey and comparison sites whose numbers we use, so that every figure can be checked where it was published. What those sites say is their own responsibility.
Names and ownership
Text, code and drawings are our own work, except where a page names another source. Names of companies, agencies and programs identify them and imply no endorsement either way.
No warranty
Everything here comes without any warranty; Limits of a premium range explains what the figures can and cannot do.
When these conditions change
Whichever version of these conditions is shown here when you visit governs that visit. Send questions to contact@typicalhomeinsurancecost.com.
Page reviewed: 2026-11-01
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