How much home insurance do I need?
Here is a simple way to calculate the replacement cost of your home:
Recommended Coverage Amount = (square footage of your home) x (cost of construction) where cost of construction depends on how many upgrades you've made on your home
- $86/sq ft for a home with minimal upgrades
- $112/sq ft for a home with some upgrades
- $146/sq ft for a home with substantial upgrades
Here's an example: Susan owns a 2,700 square foot home. She recently replaced the siding on her home and has granite counter tops in kitchen, but she has carpet through most of the home. We would consider Susan's home as one with "some upgrades". Therefore, the recommended amount of home coverage is at least: 2,700 x $112 = $302,400.
Now try calculating coverage for yourself!
Protect Your Home - Compare Homeowners Insurance Quotes
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When you’re ready, pick the coverage and price that is right for you and your home.
