Homeowners & renters insurance calculator

Homeowners insurance averages about $2,500 a year nationally for $400,000 of dwelling coverage, while renters insurance runs around $150 a year — both varying widely by state. This calculator estimates your premium by state and coverage amount.

Estimated premium

$4,915/yr

Monthly$409.58

Dwelling coverage$400,000

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How this estimate is calculated

Homeowners estimates start from 2026 average annual premiums by state at $400,000 dwelling coverage, scaled to your coverage amount using the national coverage curve. Renters estimates use 2026 average premiums by state at $30,000 personal property, scaled linearly. Your home's age, construction, claims history, deductible and discounts also affect real quotes.

See our full methodology for assumptions, limits and the 2026 data used.

Sources

Written by: Colson — Founder & insurance-data researcher, ColsonSuperApps LLC
Reviewed: Figures checked against the cited sources
Last updated: June 13, 2026
Standards: Editorial policy

This is an estimate based on published average-rate data for informational purposes only — not a quote, and not insurance, legal or financial advice. Your actual price depends on the carrier and underwriting. Get a real quote for exact pricing.