🏠 Home Insurance Valuator
Estimate your home's replacement cost and inventory your belongings. Avoid the $100k underinsurance mistake.
About This Tool
Estimate your home replacement cost and check if your dwelling coverage is sufficient. Most homeowners are underinsured by $100,000 or more because they confuse market value with replacement cost.
How It Works
Enter your home square footage, construction cost per square foot, home age, current dwelling coverage, flood zone status, earthquake zone, and personal property value. The calculator estimates replacement cost and identifies gaps.
Why It Matters
If your home burns down and you are insured for $200,000 but replacement costs $350,000, you pay $150,000 out of pocket. Standard policies also exclude flood and earthquake. This calculator finds those gaps.
Your Information
Results
Enter your home details to estimate replacement cost and check for coverage gaps.