Maintenance fund maths, repair cost estimates, insurance rebuild checks, renovation budgets and honest upkeep guides — type your homeowner question and get a straight answer in seconds, with real numbers you can act on. The full detailed report costs less than a coffee: $2.95.
Home insurance exists to rebuild your home, not to pay you its sale price — and in many areas rebuilding costs more per square foot than buying, once demolition, code upgrades and current labour are counted. The most common mistake is insuring for market value, which quietly includes land and location and can still leave the rebuild short. This sanity check runs the comparison the simple way: it multiplies your home's finished area by a rebuild rate for your region and build quality, then reads your dwelling coverage against that number. You see the estimated rebuild cost, whether your coverage sits above or below it, and how big any gap is — the information you need before renewal, not after a claim.
Check your dwelling coverage against a rough rebuild cost for your home — the single most common insurance gap is coverage that matches the sale price but not what it would cost to rebuild today.
Because you paid for an existing home including its location, while insurance pays to reconstruct the structure to current building codes at today's labour and material prices. Demolition of the damaged structure and code-mandated upgrades are real parts of a total-loss rebuild that a sale price never included.
A common US planning range is $150-$300 per square foot depending on region and build quality, with custom or high-end homes above that. Your insurance agent's replacement-cost estimator or a local builder's rate will beat any guess — the point of the check is to test your coverage against a defensible number.
Outbuildings (garages, sheds), demolition and debris removal, and current building-code upgrades are common gaps in older policies. This check covers the main dwelling line; a few minutes with your policy documents will cover the rest.
Every tool answers instantly from our own knowledge and calculators — no AI wait, no account. Honest maths and plain guidance, always educational and never alarmist: homes are built to be lived in, and these tools exist to keep yours safe, efficient and affordable — not to scare you into spending. Results are estimates and reflections, not appraisals or prescriptions, and nothing you type is stored. Want the deeper, personalised version? Each has a $2.95 full report.