Home Insurance Coverage Calculator
Estimate the rebuild cost of your home to set a dwelling coverage limit and approximate an annual premium.
Your numbers
- Estimated rebuild cost
- $418,000
- Estimated annual premium
- $1,463
- Other structures (10%)
- $41,800
- Dwelling$418,000
- Other structures$41,800
- Personal property$209,000
- Loss of use$83,600
How the home insurance coverage calculator works
Rebuild cost = square feet × local construction cost per sq ft. Dwelling coverage should be at least 80–100% of that. Premium ≈ coverage × rate per $1,000.
Example
Using the default inputs (Square feet: 2,200; Rebuild cost per sq ft: $190; Coverage level: 100%; Premium per $1,000 coverage: $3.50), the calculator returns recommended dwelling coverage of $418,000. Change any field above to see your own result and charts update instantly.
Good for these goals
Frequently asked questions
Is market value the same as rebuild cost?
No. Land value is excluded; rebuild cost depends on labor and materials.
What is the 80% rule?
Insuring below 80% of rebuild cost can trigger a coinsurance penalty on partial losses.
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Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.