Estimateur d'Assurance Habitation — Formule
## Home Insurance Basics
### Estimating Your Premium
**Annual Premium = (Coverage Amount / 1,000) x Rate per $1,000**
National average is about $3-$4 per $1,000 of coverage, but varies widely by state and risk factors.
### What Affects Your Rate
- Home location (hurricane, tornado, flood zones)
- Construction materials and age
- Distance to fire station
- Claims history
- Deductible amount
- Credit score
### Estimating Your Premium
**Annual Premium = (Coverage Amount / 1,000) x Rate per $1,000**
National average is about $3-$4 per $1,000 of coverage, but varies widely by state and risk factors.
### What Affects Your Rate
- Home location (hurricane, tornado, flood zones)
- Construction materials and age
- Distance to fire station
- Claims history
- Deductible amount
- Credit score
Exemple Résolu
$350,000 home, $350,000 coverage, $3.50 rate per $1,000, $1,000 deductible.
- Base premium = ($350,000 / $1,000) x $3.50 = $1,225
- Deductible discount (5%) = $1,225 x 0.95 = $1,163.75
- Monthly = $1,164 / 12 = $97