What does it cost to rebuild your home?
Methodology-transparent rebuild-cost estimator built from public data sources (NAHB, US Census, BLS, ICC, FEMA). Use it to right-size your homeowners insurance Coverage A and to spot underinsurance gaps.
NAHB · Census · BLS · ICC · FEMA · Primary sources
Property details
5-digit US ZIP. Maps to a US Census division.
Estimated rebuild cost
Range reflects input uncertainty (±12%).
Sources: NAHB Cost of Constructing a Home (base $190/sqft), BLS PPI inflation factor 1.0852 (2024-01 → 2026-04), Census BPS metro modifier 1.000 (source: national_default), ICC BVD construction-type ratio 1.00.
Derived coverage limits
| Coverage | Low | Typical | High |
|---|---|---|---|
| A — Dwelling | $362,891 | $412,376 | $461,861 |
| B — Other Structures (10% of A) | $36,289 | $41,238 | $46,187 |
| C — Personal Property (HO-3 50%) | $181,445 | $206,188 | $230,931 |
| D — Loss of Use (HO-3 20%) | $72,578 | $82,475 | $92,372 |
Consider Extended Replacement Cost (ERC)
In a post-disaster reconstruction, materials and labor prices typically spike 15–40% above pre-disaster baselines. Standard Coverage A proved inadequate in ~40% of total-loss claims after the 2018 California wildfires and the 2021 Marshall Fire in Colorado. Ask your carrier about an Extended Replacement Cost endorsement (typically +25% to +50% of Coverage A) or a Guaranteed Replacement Cost endorsement.
Source: California DOI post-wildfire underinsurance reports; Colorado DORA Marshall Fire analysis; United Policyholders advocacy bulletins.
Informational only. Not insurance advice. Consult a licensed insurance professional and obtain a formal appraisal before making coverage decisions.