Estimate how much dwelling and personal property coverage you need, based on the cost to rebuild your home, not its market value.
Enter Your Details
Construction cost, not market value. Check with a local builder or your insurer.
Recommended Coverage
—
Personal Property Coverage—
Liability Coverage—
Dwelling Plus Personal Property—
Formula
Dwelling Coverage = Square Footage × Local Rebuild Cost per Square Foot. Personal Property Coverage = Dwelling Coverage × Selected Percentage.
Example
A 2,000 square foot home at $150 per square foot to rebuild needs about $300,000 in dwelling coverage, plus roughly $180,000 in personal property coverage at 60%.
Not tax or financial advice. This calculator provides general estimates based on published 2026 figures. Always confirm important figures with the IRS, SSA, your state tax agency, a licensed lender, or a qualified professional.
Frequently Asked Questions
Why use rebuild cost instead of market value?
Home insurance covers the cost to reconstruct your home, which excludes land value. Market value often includes land and can be higher or lower than actual rebuild cost.
How much liability coverage do I need?
Many advisors suggest at least $300,000, or coverage that matches your net worth, to protect assets if someone is injured on your property.