Home Replacement Cost Calculator
Estimate how much it would cost to rebuild your home from the ground up, which is the dwelling coverage amount your homeowners policy should carry.
Replacement cost is not the same as market value or what you paid. It is the cost to rebuild the same home with today's materials and labor, and it ignores the land. Insurers estimate it from the square footage times a local per-foot rebuild rate, adjusted for how the home is finished. Use this to sanity-check your dwelling coverage, then get a formal replacement-cost estimate from your insurer or an appraiser.
| Home size | |
| Rebuild rate per sq ft |
Estimate only. Real rebuild cost depends on local labor, your home's specific features, and demand spikes after a regional disaster. This is your dwelling coverage target, not the home's market value. Confirm with a formal estimate.
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Turn the rebuild cost into a full policy.