California Home Insurance Calculator

What is a Home Insurance Calculator?

Find out how much dwelling coverage you should purchase to help protect your CA home against covered perils like fire, wind and hail with our homeowners insurance calculator.  This quick and simple tool uses your home’s square footage to estimate how much dwelling coverage you should have on your homeowners policy. Dwelling coverage is the main property insurance portion of your policy that protects the structure of your home. Use this tool to estimate your own coverage before you speak with a home insurance agent and get your comparative quotes. 

How does the homeowners insurance calculator work?

Type your CA zip code and your home’s square footage into the insurance calculator and you will instantly see three estimated dwelling coverage amounts for your home. This free tool gives you a good idea how much it would take to replace your home in California if it were destroyed due to a covered peril.  Use this information for getting insurance quotes from our ‘A’ rated carriers.

What is the benefit of using a homeowners insurance calculator?

A standard CA home insurance policy typically includes six types of coverage in the event of a covered claim:

Use our convenient California home insurance calculator to figure out how high your dwelling coverage should be. 

Dwelling coverage pays to repair or replace your home in the event it is damaged by a covered peril. The amount of dwelling coverage you purchase will typically determine the limits on the other types of property coverage listed on your policy. When you begin shopping for home insurance it may be helpful to know some estimated amounts of dwelling coverage appropriate for your home.

Does it cost anything to use this homeowners insurance calculator?

No. The California home insurance calculator is free to use! It’s just one of the many ways we make the process of purchasing insurance for your CA home stress free.

Call us at 1-888-662-3913 to speak with an agent or enter your property information to start getting free home insurance quotes today!

How much Dwelling Coverage do I need?

Please provide your zip code and the square footage of your home to get dwelling coverage estimates.

Enter Zip & Square Footage


Your Zip Code and Local Building Costs

The average U.S. building cost is $95.51/square foot. By adding your zip code in our calculator, we can calculate your dwelling cost based on the specific building costs in your region. Your actual building cost may vary depending on your home. For example, if you have upgrades such as granite counter tops, hardwood floors, etc., your building costs may be higher than the average cost in your area. To find out your exact building costs, contact your local real estate agent, home insurance agent, or local builders association.

Sq. Ft.

Square Footage of Your Home

The square footage of your home includes finished living areas on the ground floor, upper floor(s) and basement area or any area of the home that is heated.

  Calculate Your Home Insurance Dwelling Coverage