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Homeowners Insurance Coverage Calculator
Build a sensible HO-3 coverage mix from your rebuild cost.
Homeowners Insurance Coverage Calculator
Dwelling + contents
| Coverage | Amount | Rule of thumb |
|---|---|---|
| A — Dwelling | $400,000 | Full rebuild cost |
| B — Other structures | $40,000 | 10% of A |
| C — Personal property | $200,000 | 50–70% of A |
| D — Loss of use | $80,000 | 20–30% of A |
| E — Personal liability | $300,000 | At least your net worth (umbrella above $500k) |
| F — Medical payments | $5,000 | $1,000–$5,000 |
Flood and earthquake are excluded from standard policies and need separate cover.
Estimates for planning only — not insurance, financial or tax advice. Premiums, rules and benefits vary by insurer and change; confirm with your insurer or a licensed adviser. Disclaimer
Frequently asked questions
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