Home Replacement Cost

Replacement cost = sq ft × $/ft² (region + quality). Different from market value.

Inputs

Pool, custom kitchen, fireplaces, etc. Add separately.

Result

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How to use this calculator

  • Enter sq ft + quality tier + region.
  • Add special features (pool, etc).

About this calculator

Home replacement cost = labor + materials to rebuild from scratch. Different from market value (which includes land, demand). For insurance: under-insure → pay difference out of pocket after total loss; over-insure → wasted premium. Marshall & Swift residential calculator is industry standard. Always carry "extended replacement" coverage (130-150% of dwelling) — labor/material spikes after disasters cause costs to exceed initial estimates by 20-50%.

Frequently asked

Why isn't market value enough?+
Market = land + structure + demand. Replacement = just structure rebuild. Land doesn't burn down.
Extended replacement coverage?+
Pays 130-150% of dwelling limit when costs exceed estimate (post-disaster spikes). Standard add-on.
Update annually?+
Yes — material costs change. Insurance recalculates with annual COLA but verify reasonable.
Custom features impact?+
Vaulted ceilings +5-15%. Pools +30-80k. Granite countertops +5-10k. Add explicitly.
State DOI guidance?+
Most state Departments of Insurance (CA DOI, NY DFS) publish replacement cost guides. Check yours.

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