A range, built from published state averages and the factors carriers actually weigh. It is an illustration to set expectations before you shop — not a quote, and not any carrier's rates.
A real premium comes out of a rating engine that reads your exact address, the construction and age of the building, your claims and credit history, the roof, the distance to a fire station, the wildfire or wind score attached to your parcel, and the appetite of each individual carrier on the day you ask. Two identical houses on the same street can rate differently.
What this tool can honestly do is show you the territory. If the range it returns is far below what you are paying now, that is worth a conversation. If it is close, your policy may already be priced where it should be, and the more useful question becomes what it actually covers.
The state baselines are NerdWallet's 2026 analysis of median rates from more than 100 insurers, stated against $400,000 of dwelling coverage, with a national average of about $2,490 a year. We scale that to your dwelling amount and adjust it for roof age, deductible and claims history — the factors with the largest and most predictable effect. The output is deliberately a wide band, because a narrow number would imply a precision that does not exist.
We shop the carriers appointed in your state and come back with real numbers on real coverage. Send us the policy you have now and we will tell you plainly whether it is worth moving.
Independent insurance guidance for your home, your business, and your life across state lines.