Homeowners Insurance Coverage Calculator

A homeowners policy sets one number, the dwelling limit, and derives most of the others from it as percentages. Enter the rebuild cost as Coverage A and this gives other structures, personal property and loss of use at the shares your carrier uses, keeps personal liability and medical payments separate because they are chosen rather than derived, and checks the result against your own contents estimate and what a similar place rents for. A second action converts a percentage wind or hurricane deductible into the dollar figure it really is and compares it with a flat one. It does not estimate the rebuild cost itself; home-replacement-cost-calculator does that, and this page starts where that one finishes.

Calculator Type

Enter Coverage A and this derives B, C and D from it, keeps liability separate, and tests the result against your own contents figure and your rent if the house were unlivable.

Coverage A: Rebuild Cost of the House ($) *

The cost to rebuild, not the market value and not the tax assessment. Land is never in this figure.

Coverage B as a Share of A (%)

Detached garage, shed, fence, driveway.

Coverage C as a Share of A (%)

Usually 50% to 70%. Check the declarations page rather than assuming.

Coverage D as a Share of A (%)

Usually 20% to 30%, and on some policies a time limit rather than a dollar limit.

Coverage E: Personal Liability

Coverage F: Medical Payments to Others

Deductible ($)

What You Think Your Contents Are Worth ($, optional)

Replacement cost of everything you would have to buy again. Most people guess low until they walk the house room by room.

Rent for Somewhere Similar ($ per month, optional)

Umbrella Policy ($, optional)

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