Home Insurance Replacement Cost Estimator

Replacement cost = sq ft × $/ft² for your construction class. (Different from market value!)

Inputs

Result

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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

Replacement vs market value?+
They're different. Replacement = construction cost only. Market = what someone pays for house + land. Insure for replacement, not market.
How accurate are these per-square-foot rates?+
Rough national averages for 2026. Local construction costs vary ±30%. Get a professional reconstruction estimate every 5-10 years.
Should I add 10-25% above the calculated amount?+
Yes — extended replacement riders cover unexpected cost overruns (especially after major disasters when materials/labor spike).
Inflation guard?+
Most policies include automatic inflation adjustment. Verify yearly that the coverage still tracks your actual rebuild cost.
Custom features?+
Skip standard rates if you have hardwood throughout, custom kitchen, etc. Get a professional appraisal — they'll itemize correctly.

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