Buildings, contents, or a renters policy — quoted across 40+ US insurers. What each thing actually covers, what's a rip-off add-on, and a real price in three minutes.
01 · What moves the number
01
House vs flat, age of the building, roof type, and ZIP code flood/subsidence risk. A Georgian terrace and a new-build semi in the same street can differ by 3×.
02
Rebuild cost is what it would take to rebuild your home, not what you paid for it. Contents is everything you'd take if you moved. Most people under-insure both.
03
Approved locks, alarms, and smoke detectors all reduce your premium. Any escape-of-water claim in the last five years does the opposite — and it's the #1 US claim type.
02 · What people actually pay
| Household | Contents only | Buildings only | Combined / Renters |
|---|---|---|---|
| Renter, 1-bed flat | $68 | — | $82 |
| Renter, 2–3 bed house | $112 | — | $134 |
| Owner, 2-bed flat | $118 | $174 | $248 |
| Owner, 3–4 bed house | $164 | $264 | $372 |
Illustrative US averages across 40+ insurers. Excludes accidental-damage add-on ($24–$48/yr) and named-item cover for high-value items.
03 · The obvious questions