Home Insurance Coverage Calculator
Turn your home's rebuild cost into a full set of recommended coverage limits, the way a standard homeowners policy is structured.
A homeowners policy is built around the dwelling limit, the cost to rebuild the house. The other coverages are usually set as a percentage of that, so once you know the rebuild cost the rest falls into place. Enter your dwelling coverage to see typical limits for other structures, personal property, loss of use, and liability. These are common rules of thumb to start a conversation with your agent, not a substitute for one.
| Dwelling (Coverage A) | |
| Other structures (B, 10%) | |
| Personal property (C) | |
| Loss of use (D, 20%) | |
| Liability (E) | |
| Medical payments (F) |
Guidance only, based on common percentages. Your actual needs depend on your belongings, detached structures, and assets to protect. High-value items often need separate coverage. Confirm limits with your agent.
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Start from the rebuild cost, then tune the deductible.