Raising the deductible
Going from $500 to $2,500 deductible typically cuts premiums 10–15%. You win if you go 6+ years without a claim — which most people do.
Home insurance estimator
Estimate annual homeowners insurance premium from home value, location, and deductible.
Results
Annual premium
$1,249.50
Monthly
$104.13
% of home value
0.30%
Deductible savings
15% off base
Frequently asked questions
1.Is flood covered?
Standard homeowners insurance excludes flood. Separate NFIP or private flood policy required in flood zones.
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