Home Insurance Coverage Calculator
Calculate the right amount of homeowners insurance coverage to fully protect your home and assets.
Your Home Details
Land doesn't need coverage
Typical range: $100-$200/sq ft
Furniture, electronics, clothing, etc.
Recommended Coverage
Dwelling (Coverage A)
$375,000
Replacement cost basis recommended
Other Structures (Coverage B)
$37,500
Garage, shed, fence - 10% of dwelling
Personal Property (Coverage C)
$150,000
Belongings - typically 50% of dwelling
Loss of Use (Coverage D)
$75,000
Temporary housing - 20% of dwelling
Liability (Coverage E)
$300,000
Bodily injury & property damage
Medical Payments (Coverage F)
$5,000
Guest injuries - standard amount
Total Coverage Package
$937,500
Estimated Annual Premium: $21,150
⚠️ Coverage Gap Warning
Your rebuild cost ($375,000) exceeds your structure value by $55,000. Ensure dwelling coverage matches replacement cost.
💡 Insurance Coverage Tips
Coverage Essentials
- • Always use replacement cost, not ACV
- • Review coverage annually
- • Update after renovations
- • Document all possessions
Cost Reduction
- • Increase deductible for savings
- • Bundle with auto insurance
- • Install security systems
- • Maintain good credit score
Common Gaps
- • Flood (needs separate policy)
- • Earthquake (needs endorsement)
- • Home business equipment
- • Expensive jewelry/art
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