The information provided by our home insurance calculator provides an estimate of what your home insurance costs and dwelling coverage amount could be based on data from our survey of insurance and construction professionals. We use our survey data to determine the approximate cost of what each state’s average price of home insurance would be and the national average of average cost per sqft to build a home by construction type, but please note that this is only an estimate and not a guaranteed price. 

The actual cost of your home insurance policy could vary depending on various factors, including your coverage limits, selected deductibles, home value, and personal circumstances. The quote provided by this calculator is based on general assumptions and estimations and does not take into account specific factors that could impact the cost of your policy. 

We strongly recommend consulting with a licensed insurance agent to help you get a more accurate price estimate for your home insurance policy, and an analysis of your insurance needs and dwelling coverage amount. Our Calculator is not a substitute for consulting with a licensed insurance agent or for obtaining professional advice regarding your specific insurance needs. 

The information provided by our Calculator should also not be considered a guarantee of the actual cost of your dwelling coverage amount or the replacement cost value of your home. The information provided does not take into account all factors that may impact the cost of your dwelling coverage, such as location, age of the home, unfinished spaces, and other individual characteristics. We recommend that you speak to a licensed insurance agent or professional appraiser for a comprehensive analysis of your home’s replacement cost value.

Please note that this calculator is for research purposes only and should not be taken as legal, financial, or insurance advice. We are not liable for any damages or losses resulting from the use of this calculator.