房屋保险估算器 — 公式

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

    • 计算示例

    $350,000 home, $350,000 coverage, $3.50 rate per $1,000, $1,000 deductible.

    1. Base premium = ($350,000 / $1,000) x $3.50 = $1,225
    2. Deductible discount (5%) = $1,225 x 0.95 = $1,163.75
    3. Monthly = $1,164 / 12 = $97