home insurance calculator

Calculating how much homeowners insurance you need can be a challenge. Our home insurance calculator helps you estimate how much coverage you may want to consider for your policy before getting a quote.

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What’s your net worth? i
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How much do you estimate it would cost to replace all your belongings if they were destroyed? i
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How much do you estimate it would cost to rebuild your home if it were destroyed in, say, a fire? i
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What’s your risk tolerance? i
calculate

To get your results, please make a selection for each option.

COVERAGES TO CONSIDER

Dwelling Coverage i $100k

Liability Coverage i $300k

Deductible amount i $2.5k

Start over

Esurance can help you save money, time, and hassle on homeowners insurance.

Or call 1-866-439-5633.

The information you provide in the home insurance calculator is not used for rating, underwriting, or any purpose unrelated to this tool. Home insurance calculator is meant to highlight certain factors you may wish to consider in choosing coverage. The information presented is of a general nature based on the information you provide and is not meant to recommend specific coverage levels for you to purchase. Only you can determine what coverages are best for you. Home insurance calculator may not present all coverages, limits, or deductibles that could be available to you. Actual coverages vary by state and are subject to individual eligibility. Other terms, conditions and exclusions apply.

The information you provide in the home insurance calculator is not used for rating, underwriting, or any purpose unrelated to this tool. Home insurance calculator is meant to highlight certain factors you may wish to consider in choosing coverage. The information presented is of a general nature based on the information you provide and is not meant to recommend specific coverage levels for you to purchase. Only you can determine what coverages are best for you. Home insurance calculator may not present all coverages, limits, or deductibles that could be available to you. Actual coverages vary by state and are subject to individual eligibility. Other terms, conditions and exclusions apply.

Esurance can help you save money, time, and hassle on homeowners insurance.

Or call 1-866-439-5633.

calculating your coverage: where to start

Homeowners insurance can protect you against a lot more than just damage to your house, with coverage for your personal liability, guest medical expenses, valuables, and more.

But as far as how much home insurance you need, well, that depends on your specific situation.

In addition to using our homeowners insurance calculator, which helps you estimate certain coverage limits, check out the following key factors to keep in mind when determining your coverage levels and limits.

the cost of rebuilding your home

Probably the main thing to consider when determining homeowners coverages and limits is the cost of rebuilding your home after catastrophic damage. After all, most of us purchase home insurance for the financial protection it provides for our abodes if the worst happens.

Consider all the components that make up your home's structure — from flooring to framework, countertops to cabinetry, and rooftops to plumbing (and it doesn't stop there). All of these are essential for making your house even livable, let alone making it a home for you and your family.

The amount of money it would take to rebuild your home should be largely taken into account when choosing how much coverage is right for your homeowners insurance policy. And don't forget inflation — if you've added up all these expenses before but it's been a decade since, you might want to check out current market prices.

how much your valuables are worth

Think about all the great stuff you have in your place — including TVs, furniture, artwork, electronics, jewelry, fancy rugs, and more. The amount it would cost to replace those items in the event of a natural disaster, theft, or act of vandalism quickly adds up.

When considering how much coverage to purchase for your homeowners policy, it's a good idea to take a home inventory. Yes, it can be tedious, but having it can be invaluable in the event of a claim.

your personal liability if you get sued

If you're ever involved in a nasty lawsuit, assets like stocks, the cars you drive, and yes, even your home, could be taken from you if you don't have financial protection — which can come in the form of homeowners insurance.

Always keep updated financial records concerning your assets. Among other perks, it will help you tailor your homeowners coverages and limits to your specific situation.

Get a homeowners insurance quote and see how much you can save.

Or call 1-866-439-5633.

Looking for more on homeowners insurance?

Looking for more on homeowners insurance?