Coverage estimator
Homeowners insurance calculator.
Estimate the coverage limits you need based on your home's size, local rebuild cost, and how much stuff is in it. Takes 60 seconds.
Your home
US 2026 typical: $200–$350/sqft. Higher in CA, NY, HI; lower in much of the South/Midwest.
Most homeowners: 50–75%. Higher if you have a lot of electronics, art, or a furnished home office.
$300k is the practical minimum. Pair $500k with an umbrella policy if you have meaningful assets.
Your estimated coverage
- Coverage A — Dwelling
- $550,000
- Coverage B — Other structures
- $55,000
- Coverage C — Personal property
- $330,000
- Coverage D — Loss of use
- $110,000
- Coverage E — Liability
- $300,000
- Coverage F — Medical payments
- $5,000
Estimated total dwelling rebuild: $550,000
This is what you'd insure to fully rebuild — not your home's market value.
How this calculator works
Dwelling coverage = square footage × local rebuild cost per square foot. That's the core number. Everything else scales from it: other structures (10%), personal property (50–75%), loss of use (20%).
The tricky part is the rebuild-cost-per-square-foot input. Construction costs jumped 35–45% from 2020 to 2024, and most homeowners' policies didn't keep pace. If you haven't bumped your dwelling limit since 2021, there's a real chance you're underinsured by tens of thousands of dollars.
For an exact number, upload your declarations page — we'll cross-check your actual policy against current rebuild costs in your zip and flag every gap.
Frequently asked
How is homeowners insurance calculated?
Homeowners insurance is calculated from your dwelling rebuild cost (square footage × local cost per square foot), then layered with personal property (typically 50–75% of dwelling), liability ($300k+ recommended), and a deductible you choose. Carriers then apply rating factors for roof age, claim history, credit, and location risk.
How much homeowners insurance do I need on a $400,000 house?
If $400,000 is the rebuild cost (not market value), you need roughly $400k dwelling, $200k–$300k personal property, $300k+ liability, and ~$80k loss-of-use. If $400k is the purchase price and the rebuild is lower (e.g. $320k), size dwelling to the rebuild number, not the price.
Is this calculator accurate?
It's a solid first-pass estimate using current US construction-cost benchmarks. For an exact number, upload your declarations page — we'll compare your actual policy against current rebuild costs in your zip and flag any gaps.
Related
Estimates only. Actual coverage requirements vary by carrier, state, and home. Not legal or financial advice.