Home Insurance Replacement Cost Estimator
Replacement cost = sq ft × $/ft² for your construction class. (Different from market value!)
Result
Replacement cost
$375,000
2000 ft² × $175/ft² + $25,000 extras.
- Sq ft2,000
- Rate$175/ft²
- Dwelling cost$350,000
- Extras$25,000
- Total$375,000
Step-by-step
- Dwelling = 2000 × $175 = $350,000.
- Total = 350,000 + 25,000 = $375,000.
How to use this calculator
- Enter living-area square footage (not lot size).
- Pick construction tier matching finishes and quality.
- Add detached structures, landscaping, and other site improvements.
About this calculator
Home insurance "Coverage A" should equal replacement cost — what it would cost to rebuild from scratch — NOT market value. Market value includes land (which doesn't need replacing); rebuild cost is just the structure. In hot real-estate markets, market value can far exceed replacement; in declining markets the opposite.
Frequently asked
They're different. Replacement = construction cost only. Market = what someone pays for house + land. Insure for replacement, not market.
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