Insurance
Home Insurance Coverage Estimator
A rough planning estimate of your home's rebuild cost — the number your dwelling coverage (Coverage A) should be based on.
Enter your numbers above.
Estimates only — not financial advice. See assumptions below.
How this works
Assumptions
- ROUGH PLANNING ESTIMATE ONLY — not a quote, not an appraisal, not a recommendation.
- Rebuild cost is not market value: land doesn't burn down, so insure what it costs to rebuild, not what you paid.
- Get a professional replacement-cost appraisal (or your insurer's estimator) before you buy.
FAQ
Why can't I just use my home's market value?
Market value includes land, location premiums, and market swings — none of which you insure. Rebuild cost is labor plus materials to reconstruct the structure, which is what Coverage A pays for.
What is the 80% rule?
Most policies require you to insure your dwelling to at least 80% of its full replacement cost. Fall below that and claim payouts can be reduced proportionally — even on partial losses.
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