HarborHome.
Step 1 of 4 · Your home

Tell us about your home

This shapes your base premium. We keep it fair with visible multipliers.

Live quoteDeterministic
$152/mo
$1,829 per year
Base dwelling premium
Dwelling $450,000 + 1,800 sqft · type 1.00× · TX 1.10× · age 1.00×
$1,098.90
Fire & Smoke
Up to $450,000 covered
$324.00
Theft & Burglary
Up to $60,000 of contents covered
$144.00
Water Damage
Up to $450,000 covered
$246.00
Personal Liability
Liability limit $300,000
$96.00
Adjustments
Smoke detector discount
2% off — safer homes cost less
-$38.18
$1,000 deductible
5% off for higher deductible
-$95.45
Subtotal$1,775.27
Tax (3%)$53.26
Total annual$1,829
Same inputs always produce the same quote. No hidden factors.