Home Insurance Coverage Calculator

Estimate your required coverage limits for dwelling, personal property, liability, and loss of use based on standard industry benchmarks.

1. Dwelling Reconstruction Cost

sq ft
The total finished square footage of your home.
$
Average local building costs. Standard build: $125-$175, Custom build: $200-$400+.
$
Estimated value of high-end finishes, detached garages, pools, or custom masonry.

2. Policy Benchmarks & Assets

Coverage for furniture, clothes, appliances, and electronics.
Protects you against lawsuits for bodily injury or property damage.