Home Insurance Coverage Calculator

Calculate replacement cost and recommended coverage limits for your home.

Enter your details

Home size (sq ft)

Local rebuild cost / sq ft

Personal property (% of dwelling)

Liability limit

Other structures (% of dwelling)

Recommended dwelling coverage

$350K

Dwelling (replacement cost)$350K

Personal property$175K

Other structures$35K

Loss of use (20%)$70K

Liability limit$300K

Insure for replacement cost, not market value. Rebuild cost per square foot varies by region — confirm with a local builder or insurer estimate.

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