calcs.homes
calcs.homes
Estimate your home's rebuild cost — the dwelling coverage amount a homeowners policy is actually meant to cover — plus rule-of-thumb coverage for personal property and other structures. This is not a quote or a premium estimate.
Estimate only — not a quote. Get a professional replacement-cost appraisal for actual coverage limits.
Homeowners insurance is meant to cover what it costs to rebuild your home, not its market sale price — rebuild cost excludes land value but includes today's labor and material costs, plus any building code upgrades. We multiply square footage by a per-square-foot rate for your construction quality tier, then apply two common industry rules of thumb: personal property coverage is usually set around 60% of dwelling coverage, and other structures (detached garage, shed, fence) around 10%.
No — market value includes land and reflects what buyers will pay, while rebuild cost is just the cost to reconstruct the structure itself. The two can differ significantly, especially in expensive land markets.
No — insurance premiums depend on your location, claims history, credit-based insurance score, deductible, and the insurer's own underwriting. This tool only estimates the dwelling coverage amount to ask for.