PURPOSE : A system for calculating insurance information by using residential environment information and a method thereof are provided to calculate a premium according to the exposure of a residential environment to harmful substances by analyzing environment information of a residential environment.CONSTITUTION : A customer terminal(110) detects customer information and insurance condition information from an insurant. The customer terminal outputs insurance product information and premium information of the insurance product. A measuring unit(120) collects air in a building to analyze harmful substance information and outputs an analysis result. An insurance company server(130) calculates a premium of the insurance product.[Reference numerals] (110) Customer terminal; (120) Measuring unit; (130) Insurance company server; (140) Real estate serverCOPYRIGHT KIPO 2013