What's covered in our insurability outlook
Our insurability outlook gives you a realistic preview of what to expect when shopping for homeowners insurance. We analyze the property, its location, and known risk factors to surface potential coverage concerns before you make an offer.
Estimated annual insurance premiums
We estimate what you can expect to pay annually for homeowners insurance based on the property's characteristics, location, and risk profile. This helps you budget beyond the mortgage payment and avoid surprises at closing.
Total replacement cost
The estimated cost to completely rebuild the home if it were destroyed. Insurance carriers use this number to determine your dwelling coverage limit. We calculate it using regional construction costs and the specific attributes of the property.
Natural and manmade hazard exposure
We assess exposure to hazards that directly affect your ability to get and keep coverage: wildfire, hail, hurricane, tornado, flood, sinkhole, earthquake, and crime. Each factor is graded so you can see at a glance which risks may lead to higher premiums, policy exclusions, or difficulty finding a carrier.
Flood zone and flood insurance guidance
We identify the property's FEMA flood zone designation and indicate whether flood insurance is likely required by your lender or recommended based on the location. Standard homeowners policies do not cover flood damage, so knowing this upfront can prevent a costly gap in coverage.
Replacement cost factors
The replacement cost estimate is built from a detailed set of property attributes that insurance carriers use in their own underwriting. We pull these from public records and assessor data:
Our insurability outlook is based on publicly available data, risk models, and regional pricing. It is not a quote or policy offer. Actual premiums and coverage terms will vary by carrier.