How much home insurance do I need?
Here is a simple way to calculate the replacement cost of 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.
Protect Your Home - Compare Homeowners Insurance Quotes
How it Works
Tell Us About Your Home
Tell us a little about yourself and your home so we can match you with the best insurance options.
Get Connected to Insurers
We will connect you to insurers in your area that you are already prequalified for so that you can compare options for protecting your home.
Find the Best Rate
When you’re ready, pick the coverage and price that is right for you and your home.