Homeowners cost calculator

Published 2026-09-23 · Last updated 2026-09-23.

Homeowners cost calculator

Start with rebuild cost, not market value

What you enter

Enter only facts about your own home. Living area in square feet, rebuild cost per square foot if you know it (or a range to test), construction quality in plain terms — standard, upgraded or high-end finishes — and roof age band if the tool asks for it. Then choose a deductible you could actually pay from savings, and a liability limit you are comfortable with. The tool below asks for no name, address, insurer or policy number, and it stores no insurer rate. If you do not know a figure, leave it blank or use the illustrative default and read the result as a teaching example, not as your home's answer.

Your estimate — how the parts fit together

A standard homeowners policy is usually described in six parts, and the calculator follows that shape. Coverage A, dwelling, is your rebuild figure. Coverage B, other structures — a detached garage, shed or fence — is often set as a share of dwelling cover. Coverage C, personal property, covers belongings inside the home. Coverage D, loss of use, helps with extra living costs while repairs make the home uninhabitable. Coverage E, personal liability, and Coverage F, medical payments to others, are separate limits you choose rather than percentages of the building. Seeing the parts together matters: raising dwelling cover raises several linked figures with it, so a small change in rebuild cost moves the whole picture, not just one line.

What drives the estimate up or down

What this calculator does not do

This tool does not quote, bind or compare insurer prices, and it does not include flood or earthquake cover, which standard homeowners policies generally exclude. Those need separate policies, covered on the flood calculator and earthquake California pages in this cluster. It also does not value land, outbuildings beyond the simple share shown, or high-value items that may need scheduling. If your home is listed, non-standard, recently renovated or worth far more to rebuild than a square-foot estimate suggests, treat this result as a prompt to get a professional rebuild valuation, not as a final number.

Next steps after your estimate

Take the dwelling figure to at least two quote conversations and ask each insurer the same questions: is this dwelling limit enough to rebuild, what deductible applies to wind or hurricane losses separately, and what is excluded that you assumed was covered? Compare quotes on identical limits and deductibles, not on headline price alone. Then read the homeowners-required and home-exclusions pages before you decide, so a low price does not quietly buy a gap you only discover at claim time.

ILLUSTRATIVE EXAMPLE — not a policy fact

A homeowner enters 2,000 square feet and an illustrative rebuild rate of $150 per square foot. The tool multiplies them: 2,000 × $150 = $300,000 dwelling cover. It then shows illustrative linked shares only as arithmetic on that input — other structures, personal property and loss of use as percentages the user chooses — and asks the user to replace every percentage with their own policy's wording. No premium is produced from this example, and no insurer would price from it. Change the rate to $200 and the dwelling figure becomes $400,000; that single change is the lesson — the rate you enter matters more than any other input.