Dwelling Coverage Calculator

Estimate the dwelling (rebuild) coverage you need.

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Try: Home area (sqft)=2000, Rebuild $/sqft=150, Material factor=1, Region factor=1 → $300,000, 2000 sqft, $150, 1, 1

How to use

Dwelling coverage is what it would cost to rebuild the house. Multiply area by rebuild cost per square foot, then apply material and regional factors.

FAQ

What is a material factor?

Brick or custom finishes cost more to rebuild than basic framing, so the factor nudges the estimate up or down.

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