learn.howToCalculate

learn.whatIsHeading

Home insurance (buildings and contents) protects against structural damage and loss of possessions. Always insure the rebuild cost — not the market value, which includes land.

공식

Dwelling coverage (replacement cost) estimates rebuilding home (not land). Liability coverage: typical $100k–$300k. Contents: personal property estimate. Premium = Base rate × Factors (age, claims, location, deductible)

ReplacementCost: Home reconstruction cost estimate (Currency)
LiabilityCoverage: Liability coverage limit (Currency ($100k–$500k))
Deductible: Deductible per claim (Currency ($250–$2,500))
PremiumAnnual: Annual insurance premium (Currency)

단계별 가이드

1Buildings: insure rebuild cost (structure and fittings)
2Contents: insure replacement value of possessions
3Typical cost: 0.25–0.5% of insured value per year
4Higher excess/deductible reduces premium

풀어진 예시

입력

Rebuild cost $280k, contents $25k, 0.35%

결과

Estimated annual premium: ~$1,068

자주 묻는 질문

How much dwelling coverage do I need?

Replacement cost (rebuild, not including land or foundation). Underinsuring leaves you liable. Get appraisal or contractor estimate. Inflation riders adjust coverage annually.

What's the difference between actual cash value and replacement cost?

Actual cash value (ACV): current market value less depreciation. Replacement cost: full rebuild amount. Replacement cost more expensive but better. Old houses prefer ACV (saves premium, risky coverage).

What doesn't homeowners insurance cover?

Floods (separate policy), earthquakes (separate endorsement), maintenance failures (roof rot), sinkholes (varies). Hurricanes often covered. Check exclusions carefully.

계산할 준비가 되셨나요? 무료 Home Insurance 계산기를 사용해 보세요

직접 시도해 보세요 →