🏠 Home Insurance Coverage Calculator
Find the right dwelling, property, and liability coverage for your home — plus an estimated annual premium range. Free and private.
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How home insurance coverage works
A standard homeowners policy (HO-3) bundles several coverage types, each labeled A–F. Understanding them helps you avoid being underinsured — the most common and costly mistake homeowners make.
The coverage sections
- Coverage A — Dwelling: rebuilds your home's structure. Insure for full replacement cost, not market value.
- Coverage B — Other structures: detached garages, sheds, and fences (typically ~10% of Coverage A).
- Coverage C — Personal property: your belongings, usually 50–70% of dwelling coverage.
- Coverage D — Loss of use: pays for hotels and living costs if your home is uninhabitable (~20–30% of dwelling).
- Coverage E — Personal liability: protects you if someone is injured on your property or you're sued.
- Coverage F — Medical payments: small, no-fault medical bills for guests injured on your property.
Replacement cost vs. market value
Insure your dwelling for what it would cost to rebuild today — labor and materials — which can differ greatly from what your home would sell for. High inflation in construction costs has caught many homeowners underinsured. Consider a policy with extended or guaranteed replacement cost coverage.
Ways to lower your premium
- Bundle home and auto with one insurer for multi-policy discounts.
- Raise your deductible — but keep an emergency fund to cover it.
- Install security systems, smoke detectors, and impact-resistant roofing.
- Shop around annually; loyalty rarely pays in insurance.
Coverage and premium figures are estimates for educational purposes only and are not quotes. Actual amounts depend on construction, age, claims history, credit (in most states), and the insurer. Condo (HO-6) policies primarily cover interiors and personal property.