房产保险计算器 — 公式

Property Insurance Estimating

Property insurance protects against financial loss from damage, theft, liability, and other covered perils.

What Determines Premium

  • Dwelling coverage amount: Replacement cost of the structure
  • Location: Coastal, flood zone, and high-crime areas cost more
  • Deductible: Higher deductible = lower premium (10-30% savings)
  • Construction type: Frame costs more to insure than masonry
  • Age and condition: Older homes, especially with outdated systems, cost more
  • Claims history: Previous claims increase premiums

    • Homeowner vs. Landlord Insurance

  • Homeowner (HO-3): Covers dwelling, personal property, liability, loss of use
  • Landlord (DP-3): Covers dwelling and liability but not tenant personal property. Typically 20-30% more than homeowner policies

    • Saving on Insurance

  • Bundle with auto insurance (5-15% discount)
  • Increase deductible from $1,000 to $2,500 (10-15% savings)
  • Install security systems and smoke detectors (5-10% discount)
  • Shop multiple carriers annually

    • 计算示例

    $350,000 dwelling coverage at $4.50 per $1,000, $2,500 deductible with 10% discount, $300,000 liability, 1 property.

    1. Base premium: $350,000 / 1,000 x $4.50 = $1,575
    2. Deductible discount: $1,575 x 10% = $157.50
    3. Annual premium: $1,575 - $157.50 = $1,418
    4. Monthly premium: $1,418 / 12 = $118.13
    5. Effective rate: $1,418 / 350 = $4.05 per $1,000