Homeowners Insurance Coverage Calculator
Estimate your total homeowners insurance coverage from rebuild cost, contents, and liability.
Your home details stay on this page — never uploadedTry: Home area (sqft)=2000, Rebuild $/sqft=150, Material factor=1, Region factor=1, Personal property %=50, Liability base=300000, Home market value=400000 → $300,000, $150,000, $300,000, $750,000
How to use
Enter your home’s area and rebuild cost per square foot. The calculator adds personal property (a share of the dwelling) and liability (the larger of a base or 10% of home value) to give a total you can shop against.
FAQ
Why rebuild cost, not market value?
Insurance replaces the structure; land is not insured, so use rebuild cost, not what the home would sell for.
How much liability do I need?
Most lenders want at least $100k–$300k; the calculator shows the larger of your base or 10% of home value.