Home Insurance Calculator

Find the right homeowners coverage limits to best protect your home

Use our homeowners insurance calculator to quickly estimate your coverage limits, including dwelling coverage, personal property coverage, and personal liability coverage.

Answer a few questions about your belongings, as well as your net worth and deductible preferences, to calculate how much homeowners insurance you need. You'll also learn how standard homeowners coverages work.

Will the calculator show an insurance cost?

No, the calculator is meant to help you estimate coverages and limits, not price. The cost of homeowners insurance is based on much more than a policy's coverage limits and depends on factors like your location, type of home, and claims history. Start a homeowners insurance quote and get a customized price to protect you and your property.

Estimate the right level of homeowners coverage for you

Why trust Progressive?

As a leading homeowners insurance provider,^* Progressive has earned an A+ rating from A.M. Best for financial strength. With tools like HomeQuote Explorer,® you can compare rates and coverages side by side and make the choice that's right for you and your home.

If you have additional questions, speak with a licensed representative in your state by calling 1-855-347-3939.

How coverages influence your policy

Coverages A through E are typically included on all standard homeowners insurance policies, and the limits on each coverage help determine the price of your policy.

• Dwelling coverage (Coverage A)
  Protects your home's structure. Your limit is typically calculated by how much it would cost to replace your home today. Review your policy annually to ensure your dwelling coverage limit is aligned with an evolving market and rebuilding costs. For example, what initially could've been enough coverage to replace your house when you purchased your policy may need to be updated to reflect the current market.
• Other structures coverage (Coverage B)
  Covers structures on your property, such as a shed or guest house. Your limit for other structures coverage typically depends on your dwelling coverage limit.
• Personal property coverage (Coverage C)
  

  Covers your belongings such as clothing, furniture, and electronics. The higher your personal property limit, the more you pay on your policy to protect all of your belongings.

• Loss of use coverage (Coverage D)
  

  This may pay for additional living expenses while your home is being repaired due to a covered loss. The way your loss of use coverage limit is determined varies by insurer, but it may not affect your policy's cost as much as dwelling coverage and personal property coverage.

• Personal liability coverage (Coverage E)
  

  Can protect your assets if you're liable for injuries or damages. Common limits are $100,000, $300,000 or $500,000. Choosing a higher limit can increase your policy's rate. If you need more coverage, consider an umbrella insurance policy.

Get Answers to more homeowners insurance questions

Learn more about homeowners insurance, from coverages to pricing information. See all homeowners insurance resources.