Home Insurance Cost Calculator USA 2026
Estimate 2026 USA homeowners insurance premium by home value, state and deductible. Includes dwelling, liability and personal property coverage.
Project details
All prices in USD $ · 2026 USA averages.
Estimated cost
Annual premium
$2,760
Range: $2,346 – $3,312
$400,000 dwelling in TX, $1000 deductible
Cost breakdown
| State base rate ($ per $1,000) | $6.90 |
| Dwelling coverage | $400,000 |
| Liability & personal property (included) | $200,000 |
| Annual premium | $2,760 |
| Monthly premium | $230.00 |
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Disclaimer: Rates as of 2026. Estimates use 2026 USA average mortgage rates, state property tax and insurance data. Actual rates, fees and payments depend on lender, credit score, loan program and property. Consult a licensed loan officer before locking a rate.
Frequently asked questions
What is the average home insurance cost in 2026?
USA average is $1,900/year for $300K dwelling coverage. Florida ($5,500) and Louisiana ($4,800) are highest; Hawaii is lowest.
How can I lower my premium?
Raise deductible to $2,500+, bundle with auto, add fortified roof, install security system — each saves 5–15%.
Does insurance cover floods?
No. Standard policies exclude flood and earthquake. Add separate NFIP flood insurance if you're in a flood zone.