Home Insurance Rebuild Cost Calculator
Insuring your home for its market value can leave you underinsured — rebuild cost is what really matters. Enter your home's details below to get a quick rebuild cost estimate for insurance purposes.
Estimated Rebuild Cost
—
Base Construction Cost—
Demolition Cost—
Architect/Permit Fees—
Total Rebuild Cost—
About this calculator
Estimate the cost to rebuild your home from scratch to determine the right amount of dwelling coverage for your homeowners insurance policy.
Frequently Asked Questions
Is rebuild cost the same as market value?
No. Market value includes land value and local demand, while rebuild cost only reflects what it would cost to reconstruct the physical structure.
Why does rebuild cost matter for insurance?
Homeowners insurance dwelling coverage should match rebuild cost, not market value, so you aren't underinsured after a total loss.
How often should I re-estimate rebuild cost?
Review it annually or after any major renovation, since construction material and labor costs change frequently.