Home Insurance Coverage Calculator
Estimate how much homeowners insurance coverage you need for dwelling, personal property, and liability.
Calculation Inputs
Calculation Results
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Enter inputs on the left and click Calculate to view results.
Formula & Methodology
Dwelling = Sq Ft × Rebuild Cost; Property = 50-70% of Dwelling; Total = Dwelling + Property + Liability
Home insurance should cover full replacement cost, not market value. Underinsurance is common — ensure your policy has replacement cost value (RCV).
Frequently Asked Questions
What is the difference between actual cash value and replacement cost?
ACV pays depreciated value (e.g., 10-year-old furniture). Replacement cost pays what it costs to buy new equivalent items today.