In a low‑risk area I know people around $900–$1,400/year for homes like yours.
In hurricane/flood areas or older homes, $2,000–$3,500+ isn’t unusual.
What REALLY matters is this:
✅ Replacement cost — insurance is meant to pay to rebuild your home, not the market value. So you base it on what the builder would charge.
✅ Deductible — bigger deductible = lower premium. If you pick $2,000 or $5,000 and nothing ever happens, you saved money but risked paying more when you do claim.
✅ Weather & risk zones — if you risk hurricanes, earthquakes, floods you may need extra riders which can double the price.
I personally went with a policy that gave enough dwelling coverage to actually rebuild — I didn’t choose the ultra cheap one that left gaps in replacement coverage.
Depending on your area:
What REALLY matters is this:
✅ Replacement cost — insurance is meant to pay to rebuild your home, not the market value. So you base it on what the builder would charge.
✅ Deductible — bigger deductible = lower premium. If you pick $2,000 or $5,000 and nothing ever happens, you saved money but risked paying more when you do claim.
✅ Weather & risk zones — if you risk hurricanes, earthquakes, floods you may need extra riders which can double the price.
I personally went with a policy that gave enough dwelling coverage to actually rebuild — I didn’t choose the ultra cheap one that left gaps in replacement coverage.