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Insurance & Protection · Property & Casualty
Homeowners Insurance Coverage Calculator
Short answer: What does the Homeowners Insurance Coverage Calculator calculate?
The Homeowners Insurance Coverage Calculator works out recommended dwelling coverage (A), base rebuild cost and other structures (B). Estimate the dwelling coverage you need to rebuild your home, plus other structures, belongings and loss of use. It uses US rules and USD, and it is free to use on this page.
Try the Homeowners Insurance Coverage Calculator
See how much coverage it would take to rebuild — results update as you type.
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Put this calculator on your websiteWhat this calculator does
What the Homeowners Insurance Coverage calculator works out
The Homeowners Insurance Coverage Calculator is a free, embeddable calculator from CalcFunnel. Estimate the dwelling coverage you need to rebuild your home, plus other structures, belongings and loss of use.
You enter 8 inputs: finished living area (sq ft), local rebuild cost per sq ft, cushion for cost increases (%), current dwelling limit (Coverage A), other structures (% of A), personal property (% of A), loss of use (% of A) and ordinance or law (% of A).
It returns recommended dwelling coverage (A), base rebuild cost, other structures (B), personal property (C), loss of use (D) and ordinance or law, plus 2 more figures.
Built for insurance agents and benefits advisors. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category.
Results it shows
- 01Recommended Dwelling Coverage (A)
- 02Base Rebuild Cost
- 03Other Structures (B)
- 04Personal Property (C)
- 05Loss of Use (D)
- 06Ordinance or Law
- 07Shortfall vs. Current Limit
- 08Current Insurance-to-Value
The first figure — recommended dwelling coverage (a) — is the headline result.
Inputs
What you can change
Every field visitors can adjust, straight from the calculator, with the same help text they see on the info icon. Each one starts with a sensible default, and the 8 results update as they type.
Rebuild Cost
- Finished Living Area (sq ft)
- The finished square footage of the home. Add attached garage or finished basement area if your cost per square foot does not already include it.
- Local Rebuild Cost per sq ft
- What it costs to rebuild per square foot in your area for your type of construction — from your insurer's replacement cost estimate or a local builder. The default is only a placeholder. Do not use the home's market value, which includes land.
- Cushion for Cost Increases (%)
- Extra on top of the rebuild cost for construction inflation and price surges after a widespread disaster. Extended replacement cost endorsements serve the same purpose.
Your Policy
- Current Dwelling Limit (Coverage A)
- The Coverage A amount on your declarations page. Enter 0 if you are shopping for a new policy.
- Other Structures (% of A)
- Coverage B for detached garages, sheds and fences. 10% of Coverage A is a common default.
- Personal Property (% of A)
- Coverage C for belongings. 50% of Coverage A is a common default; raise it if your belongings are worth more.
- Loss of Use (% of A)
- Coverage D for extra living costs while the home is repaired. 20% of Coverage A is a common default.
- Ordinance or Law (% of A)
- Coverage for the extra cost of rebuilding to current building codes. Often 10% of Coverage A, with higher limits available.
Definitions
Homeowners Insurance Coverage terms, defined
The terms this calculator uses, in plain words. The same definitions appear inside the calculator for your visitors.
- Dwelling coverage (Coverage A)Cobertura de vivienda (Cobertura A)
- The part of a homeowners policy that pays to repair or rebuild the house itself and attached structures. It should equal what it would cost to rebuild, not what the home would sell for, because the land is not destroyed and market prices can be higher or lower than construction costs.La parte de una póliza de vivienda que paga para reparar o reconstruir la casa y las estructuras adjuntas. Debe equivaler a lo que costaría reconstruir, no a lo que se vendería la casa, porque el terreno no se destruye y los precios de mercado pueden ser más altos o más bajos que los costos de construcción.
- Replacement costCosto de reposición
- The cost to rebuild the home with materials of like kind and quality at today's prices, without deducting for depreciation. Insurers estimate it from square footage, construction type, finishes and local labor costs. This calculator uses a simpler square-foot estimate.El costo de reconstruir la casa con materiales de tipo y calidad similares a precios actuales, sin descontar la depreciación. Las aseguradoras lo estiman según los pies cuadrados, el tipo de construcción, los acabados y los costos locales de mano de obra. Esta calculadora usa una estimación más sencilla por pie cuadrado.
- Insurance-to-value and the 80% ruleRelación seguro-valor y la regla del 80%
- Many homeowners policies only pay full replacement cost on a partial loss if the dwelling limit is at least 80% of the home's replacement cost. Below that, the insurer may pay a reduced amount. Insurance-to-value is your current limit divided by the recommended coverage.Muchas pólizas de vivienda solo pagan el costo de reposición completo en una pérdida parcial si el límite de vivienda es al menos el 80% del costo de reposición de la casa. Por debajo de eso, la aseguradora puede pagar un monto reducido. La relación seguro-valor es su límite actual dividido entre la cobertura recomendada.
- Other structures (Coverage B)Otras estructuras (Cobertura B)
- Coverage for structures not attached to the house, such as a detached garage, shed, fence or guest house. It is usually set at 10% of Coverage A and can be raised if you have valuable outbuildings.Cobertura para estructuras que no están unidas a la casa, como un garaje separado, un cobertizo, una cerca o una casa de huéspedes. Normalmente se fija en el 10% de la Cobertura A y puede aumentarse si tiene construcciones anexas valiosas.
- Personal property (Coverage C)Bienes personales (Cobertura C)
- Coverage for furniture, clothing, electronics and other belongings. Policies pay either actual cash value or, with a replacement cost endorsement, the cost to buy new. Jewelry, firearms and collectibles have low theft limits unless scheduled separately.Cobertura para muebles, ropa, aparatos electrónicos y otras pertenencias. Las pólizas pagan el valor real en efectivo o, con un endoso de costo de reposición, el costo de comprar artículos nuevos. Las joyas, las armas de fuego y los objetos de colección tienen límites bajos por robo a menos que se aseguren por separado.
- Loss of use (Coverage D)Pérdida de uso (Cobertura D)
- Pays additional living expenses — hotel or rent, extra food and travel costs — while your home cannot be lived in after a covered loss. Rebuilding after a major loss can take a year or more.Paga los gastos de vivienda adicionales —hotel o renta, comida y transporte extra— mientras no pueda vivir en su casa después de una pérdida cubierta. Reconstruir después de una pérdida grave puede tardar un año o más.
- Ordinance or law coverageCobertura de ordenanza o ley
- Pays the extra cost of bringing a rebuilt home up to current building codes, such as new electrical, energy or wind standards, and of demolishing undamaged parts when the law requires it. Older homes often need more of this coverage.Paga el costo adicional de adaptar una casa reconstruida a los códigos de construcción vigentes, como nuevas normas eléctricas, de energía o de viento, y de demoler partes no dañadas cuando la ley lo exige. Las casas antiguas suelen necesitar más de esta cobertura.
- Extended replacement costCosto de reposición ampliado
- An endorsement that pays a set percentage above the dwelling limit, often 20% to 50%, if rebuilding costs more than expected — for example when labor and materials surge after a regional disaster. The cushion in this calculator plays a similar role.Un endoso que paga un porcentaje fijo por encima del límite de vivienda, a menudo del 20% al 50%, si reconstruir cuesta más de lo previsto, por ejemplo cuando la mano de obra y los materiales suben después de un desastre regional. El margen de esta calculadora cumple una función similar.
Inline, without an iframe
Paste the snippet where the Homeowners Insurance Coverage Calculator should appear. It renders into your page, fills the width of its container and grows to fit.
Best for: Landing pages, blog posts, calculator pages
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Popup button
A button sits on your page; one click opens the calculator in a popup over it.
Best for: Pricing sections, hero areas, listings
Floating corner widget
Paste once (or in your site-wide footer code) for a floating bubble in the corner of every page.
Best for: Site-wide, always one click away
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Your own link or button
Give any existing link, button or image a class and it opens the calculator when clicked.
Best for: Menus, images, in-text links
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Direct link
A full-page link to the calculator for emails, social posts, QR codes or a menu item.
Best for: Email, social, print, QR codes
Floating launcher
A bubble in the corner of every page opens a menu of your calculators.
6 ready-made designs
Tabs
Calculators side by side in one block on the page, switched with tabs.
6 ready-made designs
Buttons
A row of buttons; each one opens its calculator in a popup.
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Cards grid
A grid of cards with an icon and a short blurb; click to open the calculator.
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FAQ
Homeowners Insurance Coverage calculator FAQs
Still stuck? Ask the team — we reply within one business day.
Q.01What does the Homeowners Insurance Coverage Calculator calculate?
Estimate the dwelling coverage you need to rebuild your home, plus other structures, belongings and loss of use. It returns recommended dwelling coverage (A), base rebuild cost, other structures (B), personal property (C), loss of use (D) and ordinance or law, plus 2 more figures.
Q.02What information do I need to use the Homeowners Insurance Coverage Calculator?
You enter 8 inputs: finished living area (sq ft), local rebuild cost per sq ft, cushion for cost increases (%), current dwelling limit (Coverage A), other structures (% of A), personal property (% of A), loss of use (% of A) and ordinance or law (% of A). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Finished Living Area (sq ft)” mean in the Homeowners Insurance Coverage Calculator?
The finished square footage of the home. Add attached garage or finished basement area if your cost per square foot does not already include it.
Q.04What does “Local Rebuild Cost per sq ft” mean in the Homeowners Insurance Coverage Calculator?
What it costs to rebuild per square foot in your area for your type of construction — from your insurer's replacement cost estimate or a local builder. The default is only a placeholder. Do not use the home's market value, which includes land.
Q.05Is the Homeowners Insurance Coverage Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category. Compare plans.
Q.06Can I embed the Homeowners Insurance Coverage Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Can I change how the Homeowners Insurance Coverage Calculator looks?
Yes. Choose from 12 themes, each in light and dark, then set your own brand colors and font. Ledger, Minimal, Compact come with every plan; the others unlock on Pro and Business.
Q.08Is the Homeowners Insurance Coverage Calculator available in other languages?
Yes. It works in English, Spanish, Simplified Chinese, Korean, Vietnamese and Arabic, with a right-to-left layout in Arabic. Labels, tooltips, results and definitions are translated, visitors can switch language inside the calculator, and amounts stay in US dollars and US number format.
Q.09Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.10Are the Homeowners Insurance Coverage results financial advice?
No. Estimates only. Rebuild cost uses the square footage and local cost per square foot you enter; it is not a replacement cost appraisal and does not set a premium. Actual rebuilding costs depend on construction type, finishes, local labor and materials, and can rise sharply after a disaster. Coverage B, C and D percentages are common defaults on HO-3 policies — check your own policy. Ask your insurer for a replacement cost estimate and consult a licensed insurance professional.
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