Home Insurance Estimator

About Home Insurance

Home insurance protects your property and belongings against damage and theft. Premiums depend heavily on the rebuild cost of your home, the value of your contents, and the risk level of your location (crime rate, flood risk, etc.).

What Does It Cover?

Standard home insurance policies typically cover:

• Dwelling: Damage to the house itself from fire, wind, hail, etc.
• Personal Property: Theft or damage to your furniture, electronics, and clothes.
• Liability: Legal protection if someone is injured on your property.
• Additional Living Expenses: Costs for a hotel if your home is uninhabitable during repairs.

Rebuild Cost vs. Market Value

It's important to insure your home for its rebuild cost, not its market value. The market value includes the land, which doesn't need to be insured against fire or theft. The rebuild cost is the amount it would take to reconstruct your home from scratch.