Home / Renters Insurance Calculator – Estimate Your Coverage

Use this home and renters insurance calculator to estimate recommended coverage for your property, belongings, and liability. Enter your property value, personal property percentage, liability coverage, and deductible — the tool shows your dwelling coverage, personal property coverage, total coverage, and estimated monthly premium. This home insurance estimator helps you understand your coverage needs.

Home / Renters Insurance Calculator
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Dwelling Coverage —
Personal Property Coverage —
Total Coverage —
Liability Coverage —
Medical Payments —
Estimated Monthly Premium —
⚠️ Illustrative only. Not financial advice. Please delete history timely, it may impact your browser performance.

History — Home / Renters Insurance Calculator

# Time Property Value Total Coverage Est. Monthly Premium Action

Why Use This Home Insurance Estimator

Understanding your insurance needs is essential for protecting your home and belongings. This home insurance estimator helps you:

  • 💰 Calculate Dwelling Coverage — see the recommended coverage for your property.
  • 📊 Understand Personal Property — see coverage for your belongings.
  • 📉 Liability Protection — see recommended liability coverage.
  • 📈 Visualize Your Coverage — see breakdown charts.
  • 📜 Track Your History — save, review, and export past calculations.
  • 🔒 100% Private — all calculations run locally.

How Home Insurance Coverage Is Calculated

Dwelling Coverage = Property Value (replacement cost)

Personal Property = Dwelling Coverage × (Personal Property % / 100)

Total Coverage = Dwelling + Personal Property + Liability + Medical Payments

Estimated Monthly Premium = (Dwelling × 0.0035) + (Personal Property × 0.004) + (Liability × 0.0005) + (Medical Payments × 0.01) − Deductible Discount

How to Use This Home Insurance Estimator

  1. Select your account currency from the picker in the site header.
  2. Enter your property value (replacement cost).
  3. Set your personal property percentage.
  4. Enter your liability coverage.
  5. Set your medical payments coverage.
  6. Enter your deductible.
  7. View your results instantly — see your recommended coverage and estimated premium.

Frequently Asked Questions

What is dwelling coverage?

Dwelling coverage protects the physical structure of your home. It covers damage from fire, wind, hail, and other covered perils.

What is personal property coverage?

Personal property coverage protects your belongings — furniture, electronics, clothing, and other items inside your home.

What is liability coverage?

Liability coverage protects you if someone is injured on your property and sues you. It covers legal fees and settlements.

How is the estimated premium calculated?

The estimated premium is calculated using a simplified model based on coverage amounts, deductible, and other factors. Actual premiums vary by insurer and location.

Is my data stored anywhere?

No. All calculations run locally in your browser. History and presets are saved in your browser’s localStorage — nothing is sent to a server.