Home Insurance Coverage Limit Calculator

How to use this home insurance coverage limit calculator

1. Enter your home square footage and estimated rebuild cost per square foot.
2. Optionally add upgrade/finish costs and debris removal percentage.
3. Choose an inflation/buffer percentage for safety.
4. Calculate a recommended dwelling coverage limit estimate.

Example

If your home is 2,000 sq ft, rebuild cost is $200/sq ft, upgrades are $20,000, debris removal is 5%, and buffer is 10%:

• Base rebuild cost = 2,000 × $200 = $400,000
• Add upgrades = $400,000 + $20,000 = $420,000
• Debris removal (5%) = $21,000 → subtotal $441,000
• Buffer (10%) = $44,100 → recommended limit ≈ $485,100

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