How To Estimate The Cost Of Homeowners Insurance? 
Normal 0 This question is really tough to answer because you are not defining what actual coverage you want your homeowner 's policy to provide . But I would respond to this question this way . Id want my homeowners policy to provide Guaranteed Replacement Cost coverage on my house , Replacement Cost coverage on my personal property and All-risk * coverage on both . Id want at least a $ 300,000 limit for Personal Liability and a $ 1000 property deductible . I would expect the amount of insurance on my house to be consistent with the current cost to replace it and if the premium I was quoted was more than $ 2-3 per thousand , I would keep looking . 