Where to find your figures
Find your Coverage A dwelling limit and any extended replacement cost endorsement. Use a recent contractor or insurer rebuild estimate for the structure, excluding land value.
Home insurance U.S. insurance
Would your dwelling limit cover a rebuild?
Compare a current rebuild estimate with your dwelling limit. See the gap using the base limit and how an eligible coverage extension could change it.
Home Rebuild Coverage Gap Calculator
Enter figures from your policy, quote, or benefits summary.
Worked example
See what the numbers mean
A $485,000 rebuild estimate and a $400,000 base limit leave an $85,000 gap. A qualifying $60,000 extension reduces the modeled gap to $25,000.
Home Rebuild Coverage Gap Calculator · rebuildgap.com
This is a limit comparison before any deductible, coverage conditions, and loss settlement rules. Count additional coverage only if the endorsement applies to the modeled loss.
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Behind the estimate
Method & sources
How the math works
Subtract the dwelling limit and any eligible extension from the rebuild estimate. If the extension is a percentage, apply it to the base dwelling limit first. The lowest possible gap is zero.
Worked example
A $485,000 rebuild estimate and a $400,000 base limit leave an $85,000 gap. A qualifying $60,000 extension reduces the modeled gap to $25,000.
What this estimate covers
This is a limit comparison before any deductible, coverage conditions, and loss settlement rules. Count additional coverage only if the endorsement applies to the modeled loss.
Source notes
Consumer guidance reviewed .
- Texas Department of Insurance · Building costs and home insurance
Why a dwelling's rebuild cost can differ from its appraisal or market value.
- NAIC · A shopping tool for homeowners insurance (PDF)
How extended replacement cost coverage can add a percentage or fixed amount to the dwelling limit.
- NAIC · Understanding your homeowners policy
Where to find the policy period, premiums, limits, and endorsements.
Before you decide
Common questions
Can I use my home’s sale price as the rebuild estimate?
Use a current estimate of the cost to reconstruct the insured structure. A sale price includes factors such as land and local demand, which do not measure reconstruction cost.
Where can I find the extended replacement cost amount?
Check the dwelling endorsement for the extra amount and its conditions. Enter either the confirmed dollar extension or its percentage of the base dwelling limit.
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