Home Insurance Coverage Estimator
Estimate sensible homeowners-insurance coverage levels: dwelling coverage equal to your rebuild cost, contents at a percentage of dwelling (50–70% typical), and loss-of-use at 20%.
Inputs explained
- Home rebuild cost — The cost to rebuild your home from scratch — not its market price.
- Contents coverage (of dwelling) — Personal property coverage as a percentage of dwelling coverage.
- Personal liability coverage — Liability limit — $300,000 is a common recommendation.
How to use it
- Fill in the fields above — each input has a hint describing exactly what to enter
- Press Calculate to get your result instantly, right on this page
- Copy the result, save the tool to favorites, or share and embed it anywhere
Understanding the result
Example: A $350,000 rebuild cost suggests $350,000 dwelling, $175,000 contents (50%), and $70,000 loss-of-use coverage.
Frequently asked questions
Should dwelling coverage equal my home's market value or its rebuild cost? Dwelling coverage should match rebuild (replacement) cost, not market value — land value and market conditions affect sale price but not what it actually costs to reconstruct the structure.
Why is contents coverage a percentage of dwelling coverage rather than an independent estimate? Insurers commonly size contents coverage as 50-70% of dwelling coverage as a quick industry rule of thumb; an actual home inventory may show your belongings are worth more or less than that percentage.
Is the Home Insurance Coverage Estimator free to use? Yes — it is completely free, with no sign-up, no download and no usage limits. You can use it as often as you need.
Is my data private? Yes. The calculation runs entirely in your browser — the values you enter are never sent to our servers, stored or shared with anyone.
What information do I need? Just the following: Home rebuild cost, Contents coverage (of dwelling), Personal liability coverage. Each field includes a hint explaining exactly what to enter.
Can I use it on my phone? Yes — the tool is fully responsive and works on any device, and the same calculator is available in the EasyWorkCalcs mobile app.
Privacy
Everything you enter into the Home Insurance Coverage Estimator is processed entirely in your browser. Nothing is uploaded, stored or shared — your data stays on your device.