Home Insurance Coverage Calculator

Coverage A should equal full replacement cost (rebuild cost), not market value. Land doesn't burn. Use $150-$250 per square foot as a baseline; coastal and high-cost markets run $300-$500/sq ft per Verisk data. Reconstruction often costs more than original construction.

Floods (need separate NFIP or private flood policy), earthquakes (separate policy), routine wear/maintenance, sewer backup (add endorsement), mold beyond limited amounts, and high-value items above sub-limits ($1,500-$2,500 typical for jewelry). Always read the exclusions section.

It pays 25-50% above your dwelling limit if rebuild costs exceed coverage - crucial after widespread disasters when material/labor costs spike. After the 2018 Camp Fire, 60%+ of homeowners were underinsured per United Policyholders surveys.

Most policies require dwelling coverage equal to at least 80% of replacement cost. If you fall below that, the insurer applies a proportional penalty to every claim, even small ones. That is why many advisors recommend insuring to 100% or adding a guaranteed replacement cost endorsement.

A reasonable minimum is $300,000 to $500,000, but if your net worth exceeds your coverage, add an umbrella policy. A $1 million umbrella typically costs $200 to $400 a year and protects all your assets against a large lawsuit, not just the home.

By default, no. The standard policy has low sub-limits for jewelry, watches, art, and firearms, usually $1,500 to $2,500 total. To cover them fully, you need to list them individually (a rider or scheduled coverage) at their appraised value.

Yes, especially if your coverage does not adjust automatically. Construction costs rise fast, and an inflation guard endorsement keeps your limits aligned year after year. Without it, a home insured 5 years ago can easily be underinsured today.