How this estimate works
The starting point is NerdWallet's 2026 national median homeowners premium of $2,490 a year. The sample policy is for a 40-year-old nonsmoker with good credit in a two-story single-family home built in 1984, with $400,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible. Rates were generated by Quadrant Information Services for every ZIP code in the 50 states and DC.
The calculator multiplies that figure by your state's median relative to the national median, and by published ratios for dwelling coverage from $200,000 to $800,000, a $2,500 deductible, a newly built home, a recent claim and poor credit. Insurer rows apply each company's national median relative to the overall median.
What is included
- Standard homeowners coverage for a single-family house: dwelling, other structures, personal property, loss of use and liability
- State differences, which are driven largely by weather risk such as hail, tornadoes and hurricanes
- Credit adjustment only where insurers may use it; California, Maryland and Massachusetts do not allow it
Limitations
Flood and earthquake damage are not covered by a standard policy and are not part of this estimate. In Hawaii, wind damage from hurricanes is bought separately, which is one reason the state median is low. Your ZIP code, construction type, roof age, distance to a fire station and discounts can move the real price far from the estimate. Factors are combined independently, so unusual combinations are approximate.
This is an indicative estimate, not an offer of insurance. Policies are issued by licensed insurers and placed through licensed producers in your state. Learn more about home insurance or request a quote.