Square footage alone cannot price this, and any specific number we gave you would be a guess. Get the exact address quoted. What actually drives the premium: - Rebuild cost, which on a large, newer, higher-value home is substantial. Market price is a different number. - Location risk. Proximity to brush, high fire-risk zones, or the coast, plus local claims history, can swing the premium dramatically between two similar homes in the same county. That is why quotes for similar-sized houses land in very different places. - The rest of the file: construction type, roof age, the deductible you choose, and any wildfire or wind mitigation. The right way to get a real figure is an independent insurance agent who can shop several carriers on the exact address. In higher-risk areas, also compare a standard policy against the state or specialty program options. Get more than one quote before you assume a cost, and put the result into your monthly budget early. Insurance is a real and rising part of owning a home, and on a house this size it deserves its own line item.