Free home insurance calculator
Use this calculator to get a homeowners insurance estimate in seconds. No email or credit check required.
Estimates help homeowners shop smarter
YouSet’s home insurance calculator is a convenient tool that allows you to estimate your monthly insurance costs without having to provide any personal information, such as your name or birthday.
The purpose is to give you an approximate idea of the range of premiums you might expect to pay, from the lowest to the highest amounts, based on the general location of the home you own. This will help you compare your options more effectively and ultimately, make an informed decision.
Find out what others pay
See what YouSet users in your area pay for home insurance.
Spot a good vs. a bad deal
Know a fair quote from an overpriced one when you see it.
Get a feel for the market
Know the going rate to avoid paying more than you should.
Homeowners insurance estimate vs. quote
The main difference between a homeowners insurance estimate and a quote is that an estimate gives you an approximate price and is usually anonymous to complete. A homeowners insurance quote, on the other hand, can give you an exact price because it is based on the information you provide about yourself and the home you own.
You might want to get an estimate first so that when you start shopping around and requesting quotes, you have something to compare the quotes you receive to.
Home insurance estimate
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Anonymous
Requires no personal info or email, so your privacy fully protected.
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For reference only
An estimate is informational only and cannot be purchased.
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Ready in seconds
With only 2 questions, estimates are ready in just seconds.
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No credit check
Never triggers a credit check and doesn’t affect your credit score.
Home insurance quote
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Personalized
Requires detailed information about you and your rental unit.
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For purchase
A quote can be bought online or by phone
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Ready in minutes
More questions that take a few minutes to complete.
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Potential credit check
May be asked to consent to a credit check while getting a quote.
What homeowners need to get an insurance quote
Unlike an estimate, which is based on limited information, a full homeowners insurance quote requires more details about yourself and your rental unit, including the following which you should have ready.
Homeowners insurance starting at $27/month
We don’t just find you the best price this year, we’ll help keep it that way year-after-year.
Compare and buy home insurance online in minutes with YouSet
Compare insurance quotes from multiple insurers side-by-side and buy the one that’s right for you, all in one place.
No, the prices provided by the calculator are estimates and cannot be purchased as-is. They do not account for your personal information, the value of your belongings, building type, insurance history, coverages, or deductibles, all of which are necessary to calculate a quote with a premium that is eligible for purchase.
This home insurance estimator uses aggregated, anonymized quote data from YouSet users to provide homeowners insurance estimates. After providing your birthday and address, the calculator will present a price range (low, average, high) based on quotes obtained by users in a similar age group and location.
Your birthday indicates your age, and since age is a key factor insurers use to calculate premiums, it allows us to provide you with a home insurance estimate based on what users in a similar age group typically pay.
Your address indicates where you live, and since your postal code is a key factor insurers use to calculate premiums, it allows us to provide you with a home insurance estimate based on what users in your area typically pay.
No, since this calculator does not ask for identifying personal information, just your birthday and address, it does not check, account for, or affect your credit score.
While this makes it a great way to get a general sense of the price of home insurance for someone your age, in your area, it is limited. Only a personalized quote, which asks for additional details about you, your home, coverage needs, and insurance history, can account for the full range of factors and provide an exact price.