Sources, dates and open questions
The regulator tables, statutes and surveys behind the estimator, the day we read each one, the commercial pages we lean on, and the numbers we left out.
6 minutes of reading | Statutes and tables to be re-checked by 2026-11-20
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Each number on these pages traces to a public document listed here, with the day of our reading. Where a number is our own assumption rather than a published figure, the page says so beside it. Links to commercial survey and comparison sites are gathered on this page and kept out of the articles.
Premium data
| Source | Used for | Date of data |
|---|---|---|
| Insurance Information Institute, facts and statistics: homeowners and renters insurance | The 2013–2022 national HO-3 series, from NAIC data | 2013–2022 |
| NAIC news release, homeowners insurance report | 11.26% rise in HO-3 premiums from 2021 to 2022 | Published May 21, 2025 |
| NAIC homeowners insurance report (PDF) | State HO-3 averages for 2023 and the countrywide averages by amount of insurance (Table 4), July 2026 edition, read November 1, 2026 | 2023 |
| Triple-I press release, December 17, 2025 | Premium growth of 11.8% in 2025; replacement costs up nearly 30% in five years | 2025 |
| Triple-I and Insurance Research Council, June 2025 | Home insurance as a share of household income | 2001–2024 |
| NerdWallet, average homeowners insurance cost (commercial) | Factor sizes: coverage, claims, credit, year built, $2,500 deductible; read November 6, 2026 | Updated May 6, 2026 |
| Insurify, average cost of homeowners insurance (commercial) | $2,772 sample average; averages by coverage ($2,016 to $6,096) and by deductible ($2,625, $2,386, $2,028, $1,909); read November 6, 2026 | Updated November 1, 2026 |
One inconsistency in the NerdWallet page: its table labels the newer house a 2025 build, while its method note says the build year was changed to 2024. We quote the table's $1,425 and flag that the year is uncertain by one.
The NAIC notes that it doesn't rank state averages or endorse conclusions drawn from them; ranks on this site are our own ordering of the published figures, and the spread between states is worked out from the NAIC's 2023 state table, not from older summaries.
Flood
| Source | Used for |
|---|---|
| GAO-23-105977, July 2023 | Median current ($689) and full-risk ($1,288) NFIP premiums at December 31, 2022; 18% cap |
| FEMA brochure F-002, September 2024 | Flood excluded from homeowners policies; $250,000 / $100,000 limits; 30-day wait; $52,000 average claim |
| FEMA, Risk Rating 2.0 comparison for Alabama, April 2025 | Decreases under the new method |
Florida
| Source | Used for |
|---|---|
| s. 215.5586, Florida Statutes (2026), read November 6, 2026 | My Safe Florida Home eligibility (built before 2008, $700,000 limit for all, attached homes up to three stories), match, $10,000 cap, priority order |
| s. 627.701, F.S. (2026), read November 6, 2026 | Hurricane deductible options and the exceptions at $250,000, $1 million and $3 million; roof deductible cap and the losses it can't apply to |
| s. 627.7011, F.S. (2026), read November 6, 2026 | Roof age rules |
| Rule 69O-170.017, F.A.C. | Wind mitigation discounts must follow state-approved studies |
| Florida DFS guide, July 2026 | Qualifying features, 68% minimum, form validity, who can inspect |
| Example insurer discount notice (Vault Reciprocal Exchange) (commercial) | How one insurer combines wind credits up to a maximum |
| Citizens Property Insurance, inspections | Four-point and roof inspection triggers |
Coverage basics
| Source | Used for |
|---|---|
| Minnesota Department of Commerce, property coverage | Standard limits for Coverages A to E |
| NAIC, credit-based insurance scores, updated March 19, 2026 | State restrictions on credit-based scores |
| NAHB Eye on Housing, January 2025 and Pennsylvania Realtors summary | Construction cost of a new home in 2024 |
Roof replacement
| Source | Used for | Date of data |
|---|---|---|
| Cost vs. Value 2025 (Remodeling/Zonda), national and regional averages | Job cost for a 30-square asphalt or standing-seam metal roof and the share recouped at resale, in each of the nine regions and nationally; read November 1, 2026 | 2025 |
| NerdWallet, roof replacement cost | The $9,500 average (Angi), the $4 to $11 per square foot range, the steep-roof extra and Angi's material prices | Updated September 16, 2025 |
| Texas Department of Insurance, replacement cost or actual cash value | The $10,000 roof example at 5, 10 and 20 years, behind the 3% a year default | Updated January 24, 2024 |
| Texas Department of Insurance, replacing your roof and can a contractor waive my deductible? | Two-part payments, discounts for resistant roofing, the ban on waived deductibles | Updated April 1, 2026 and December 9, 2025 |
Other countries
Read on November 1, 2026. Dollar conversions: ECB euro foreign exchange rates , October 30, 2026.
| Source | Used for | Kind |
|---|---|---|
| ABI, Home insurers pay out £846 million, May 6, 2026, read again November 6, 2026 | UK average premiums, January to March 2026: £375 combined, £306 buildings, £117 contents | Official |
| France Assureurs, L'assurance habitation en 2025, July 24, 2026 | France: €323 average before tax, €351 for occupants | Official |
| Assemblée nationale, written question 1613, February 4, 2025 | French natural-disaster surcharge from 12% to 20% | Official |
| CSO, Household Budget Survey 2022-2023 | Ireland: weekly spending on primary dwelling insurance by tenure | Official |
| GDV, Statistiken zur deutschen Versicherungswirtschaft, September 2025 | Germany: premiums (tables IV-74, IV-75) and contracts (IV-64), 2024 | Worked out from official totals |
| VVO, Jahresbericht 2025, Datenteil, April 2026 | Austria: household contents premiums and risks, 2025 (tables 5.1, 5.2) | Worked out from official totals |
| ACCC, media release 157/23, December 8, 2023, read again November 6, 2026 | Australia, 2022-23 home and contents averages: A$1,779 for the rest of Australia, A$2,918 North Queensland, A$2,922 Northern Territory | Official |
| Canstar, September 11, 2025 | Australia: A$2,795 national average from about 25,000 quotes | Comparison site |
| Stats NZ via Figure.NZ | New Zealand: NZ$58.70 a week on building-related insurance, year to June 2025 | Official |
| Consumer NZ, February 17, 2026 | Median house and contents premiums, Wellington and Dunedin | Consumer organization |
| Natural Hazards Commission, Funding and Risk Management Statement, June 27, 2024 | New Zealand levy: 16 cents per $100, up to $300,000 plus GST | Official |
| MyChoice, Canada home insurance outlook 2026, updated September 24, 2026 | Canada: C$1,343 national and provincial averages | Comparison site |
| Statistics Canada, Insurance in Canada, June 16, 2026 | Homeowners' premiums up 45% from December 2019 to December 2025 | Official |
| Selectra España, price report, October 2025 to April 2026 | Spain: €281.96 average home policy price | Comparison site |
| BOE, resolution of December 30, 2025 | Spanish Consorcio surcharge of 0.07 per thousand for homes | Official |
| MoneyView, Opstalverzekeringen fors duurder, June 18, 2024 | Netherlands: €415 average buildings premium | Research firm |
| PAID, PAD product information document 2026 | Romania: compulsory policy prices, 130 and 50 lei | Official |
What we couldn't confirm
- State averages after 2023. The NAIC hasn't published 2024 or 2025 averages; the estimator starts from 2023 and applies a labeled assumption.
- The +25% step and the ±15% band. Both are our own choices, explained on the home page. Change the step in Whole sum mode.
- UK quarters after March 2026. Trade press reports ABI averages for later 2026 quarters, but on November 6, 2026 the ABI's own releases for them would not open for us, so the country page stays on the January to March figure we could read at source.
- Insurer-specific wind credits. Florida sets no statewide percentage for pre-2001 homes; the calculator asks for the figure from your own insurer's notice.
- Inspection and upgrade prices. No public source we could verify gives typical prices for wind mitigation inspections or impact windows, so the tools ask for your quoted price instead of suggesting one.
- Average NFIP premium by state. Not in a public table we could read; the site uses GAO's national medians.
How a figure stays current
Each calculator is tested against hand-worked examples kept with the site's source, including the $10,000 grant cap, the 18% flood cap, the $200 floor for a quote and the boundaries of the deductible table. When a statute, survey or regulator table is revised, we correct the page that relies on it and move its "checked" date.
A figure out of date? Tell us. Flag an outdated figure