Get Home Insurance Rate Estimates

To simply review average home insurance rate estimates within your zip code please enter your street address, zip code and the total heated square footage of your home to calculate rates. Start below by entering the following information:

  • Sq. Ft.

Estimating your homeowners insurance rates within your area is always a good idea to compare cost and coverage options. If you enter your property address, zip code and square footage it will take you to a page to see average home insurance rates for the zip code you provide. This calculator will also show average rates based on different size homes and the coverage amounts associated with them. Smaller homes will be cheaper to insure versus larger homes due to the replacement cost value. We can help you calculator the dwelling coverage so you have a good idea how much coverage you need to rebuild your home. Below is a simple break down of different home insurance coverage types to help you understand how home insurance companies insure property types.

Homeowners Insurance By Policy Type

When it comes to homeowners insurance policies, there are a few different policy types and each one is written for a certain type of structure. Having the correct policy type is essential to having the proper coverage on your home for added protection when you need it most.

Below we have featured the most common insurance types for homeowners:

 Type Description

The most common of homeowners coverage is the HO-3. The majority of homeowners carry this type of policy and it covers damage that is caused by all perils unless they are excluded in the body of the policy. Damage that is caused by floods or earthquakes is always excluded on an HO-3 policy but there can be other exclusions as well.


This policy type was designed for people that rent an apartment. It is often referred to as renters insurance. An HO-4 policy will pay out for damage to your personal property in your apartment and it also offers liability protection in the event that someone is injured in your apartment.


Condos are becoming a popular housing option in and if you have one, this is the policy type you need. In addition to condos, it also protects co-ops. This insurance offers coverage for your personal belongings as well as the components of the building that you actually own.


is lucky to have a fair number of historical homes and if you own one, you may need an HO-8 policy. These policy types are specific to older homes where the replacement cost of the house may actually exceed the cash value of the home.

These policies are affordable because the payout levels are less than the actual replacement cost of the house. In most cases, the need for an HO-8 policy arises when the house is more than 40 years old and doesn’t qualify for a HO-3 policy. These policies only cover 11 perils.