What would it cost to rebuild your home?
Your dwelling limit should match what it costs to rebuild the house, which is usually different from what it would sell for. Land doesn't burn, and a sale price includes the lot. This gives you a planning number in under a minute.
Heated living space above ground. Leave the basement out of this number, finished or not. It gets added below.
Blank means we assume 85% of your main floor. If part of it is finished and part isn't, pick the one that covers most of it and call us for the exact split.
This is a planning estimate based on regional construction costs; it excludes land, site preparation, and demolition or debris removal. The exact replacement cost is the homeowner's responsibility and needs to be established with a certified professional appraiser. Rates are 2026 regional averages adjusted for single-home reconstruction, not a carrier's replacement cost estimator.
Why it matters
Your dwelling limit sets everything else
Other structures, personal property and loss of use are usually set as a percentage of the dwelling limit. If the dwelling number is wrong, all of them are wrong with it.
Set it too low and a big loss leaves you paying the difference. Many policies also reduce what they pay on a partial loss when the home is insured well under its replacement cost. Set it too high and you pay premium on coverage you could never collect.
Bring this number to us and we'll check it against Coverage A on your current policy.