How this calculator works
Dwelling coverage should match the cost to rebuild, square footage times local rebuild cost per square foot, not the home's market value. Other structures, personal property and loss of use are commonly set as percentages of the dwelling amount.
Worked example
With the example values below: Dwelling coverage, $400,000 (rebuild cost, not market value). Change any number above to run your own.
What you enter
| Input | Example |
|---|---|
| Home size (sq ft) | 2,000 |
| Rebuild cost per sq ftAsk a local builder or your insurer | $200 |
| Other structures | 10% |
| Personal property | 50% |
| Loss of use | 20% |
| Liability limit | $300,000 |
Grow what this calculator projects.
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Estimates for planning only, not financial, tax or legal advice. Tax tools use 2026 federal figures (brackets, $16,100 / $32,200 standard deduction, $19,000 gift exclusion, $15M lifetime exemption). Rates shown as defaults are examples; replace them with quotes you actually receive.