Real Estate
Home Insurance Estimator
Average home insurance is $1,500/year nationally. FL/LA/OK pay 2-3x that. CA wildfire zones similar. Read the small print on wind/hurricane deductibles.
Estimated annual premium
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- Monthly equiv
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- Per $1000 covered
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- Risk category
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FAQ
Why has insurance gotten so expensive? +
Climate-driven losses (hurricanes, wildfires, hail) have spiked claims. Insurers pulled out of FL, LA, CA — survivors charge more.
How to lower premiums? +
Higher deductible, bundle with auto, install monitored alarm/security, replace 20+ year roof, get a wind mitigation inspection in coastal states.