Home Insurance Coverage Calculator
Estimate dwelling rebuild cost, personal property, and liability coverage for a homeowners policy.
Estimated dwelling coverage (rebuild cost)
—
| Coverage type | Suggested amount |
|---|
Rebuild cost, not market value
A common mistake is insuring a home for what it would sell for. Homeowners insurance should cover what it would cost to rebuild the structure at current construction prices — which has no relationship to land value or local market demand and is usually quite different from the sale price. This calculator estimates rebuild cost using a cost-per-square-foot figure for your finish tier: roughly $150–$250/sq ft for standard production-builder construction, more for custom or high-end finishes.
Personal property coverage (your belongings) is commonly set at 50–70% of dwelling coverage as a starting point — this calculator defaults to 60%, but enter your own estimate if you've actually inventoried your belongings. Loss-of-use coverage (paying for temporary housing if the home becomes uninhabitable) is typically around 20% of dwelling coverage.
Get a real replacement-cost estimate
These are planning-level estimates, not a quote. Most insurers calculate replacement cost with their own tools factoring in your specific home's materials, local labor costs, and features — ask for that number directly when you get a quote.