Verified Formula, Methodology & Frequently Asked Questions: Homeowners Insurance Rebuild Cost & 80% Rule Calculator
Estimate Dwelling Coverage A rebuild cost, Personal Property Coverage C, Loss of Use, and the 80% co-insurance threshold.
Verified Mathematical Equation: Dwelling Coverage A = Total Heated Sq Ft × Local Per-Sq-Ft Reconstruction Cost; Minimum Safe Coverage = 80% × Coverage A
Frequently Asked Questions (FAQ)
How does the Homeowners Insurance Rebuild Cost & 80% Rule Calculator work in 2026?
Estimate Dwelling Coverage A rebuild cost, Personal Property Coverage C, Loss of Use, and the 80% co-insurance threshold. It uses the industry-standard formula (
Dwelling Coverage A = Total Heated Sq Ft × Local Per-Sq-Ft Reconstruction Cost; Minimum Safe Coverage = 80% × Coverage A) and updates your KPIs, visual breakdown bar, and comparison table at 60fps as you type or drag the sliders.How can I share my exact scenario with a client, partner, or spouse?
Click the 🔗 Share Scenario Link button at the top of the page. It encodes every input you entered directly into a custom URL so anyone who clicks your link sees your exact numbers immediately.
Is my financial data private and does this work offline?
Yes—100% of calculations happen locally inside your browser using JavaScript. No personal or financial inputs are ever transmitted to an external database.
Can I embed the Homeowners Insurance Rebuild Cost & 80% Rule Calculator on my own website or client portal?
Yes! Click </> Embed on Your Site (Free) above to copy a clean, responsive
<iframe> widget that automatically adapts to any screen size.