Is rebuild cost the same as my home's market value?

No. Market value includes land and location. Rebuild cost is what it takes to reconstruct the house itself.

How much dwelling coverage do I need?

Generally enough to fully rebuild your home at today's prices. Your insurer and agent can run a detailed estimate.

What is extended replacement cost?

An add-on that pays a set amount above your dwelling limit if rebuilding costs more than expected. Availability and limits vary by insurer.

Why would rebuilding cost more after a disaster?

After widespread damage, demand for labor and materials can spike, and local codes may require upgrades.

How often should I update my coverage?

Check it at every renewal and after remodels, additions, or major upgrades.

REBUILD COST CHECK

What Would It Cost to Rebuild Your Home?

Market value ≠ rebuild cost. Make sure your coverage keeps up.

Home size & location

Finished living area (sq ft)

ZIP Code

Override region

Rebuild Cost vs. Market Value

🏡 Market Value

What a buyer would pay, including the land and location.

🔨 Rebuild Cost

What it costs to rebuild the structure — labor, materials, permits. No land.

Insure for rebuild cost, not what Zillow says.

Frequently Asked Questions

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