Turn a dwelling coverage amount into a rough annual premium range using illustrative per-$1,000 rate bands.
This estimator multiplies your dwelling coverage by an annual cost per $1,000 and adds a fixed amount for endorsements or policy fees. It is a planning aid for sanity-checking a quote, not a way to price a real policy. The per-$1,000 bands in the drop-down are illustrative ranges chosen to show how much risk profile can change the result. They are not current market rates and are not quotes from any insurer.
How it works. Enter dwelling coverage in units of $1,000, so a $350,000 dwelling limit is 350. Pick a profile to load a low and high band, or type your own. The tool computes low = units x low band + fixed amount, and high = units x high band + fixed amount.
Worked example (illustrative). For a $350,000 dwelling limit with bands of $3 and $7 per $1,000 and $150 of endorsements: low = 350 x 3 + 150 = $1,200 per year, and high = 350 x 7 + 150 = $2,600 per year. Dividing by 12 gives roughly $100 to $217 per month. Switching to a coastal profile of $8 to $18 per $1,000 shows how exposure alone can multiply the result.
Limits. Real premiums depend on the exact address, rebuild cost, roof age and material, claims history, deductible, credit-based insurance score where allowed, the carrier's filed rates and your state. Use the range to judge whether a quote looks wildly out of line, then collect actual quotes and compare them with the quote comparison tool.
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