Free tool
Homeowners coverage estimator
Shows how the limits on a homeowners policy relate to each other: other structures, personal property and loss of use as percentages of the dwelling limit you enter.
- What it needs from you
- A rebuild cost for your house, and your own policy percentages
- What you get back
- Each coverage limit those inputs produce, and how it was worked out
Result
What those inputs come to
Property limits added together
$0
Dwelling, other structures, personal property and loss of use. That is the sum of the limits, not a total payout: each one applies to its own kind of loss.
Enter a dwelling limit to see the other limits. Without it every percentage resolves to zero.
Limit by limit
- Dwelling
- $0
- Other structures
- $0
- Personal property
- $0
- Loss of use
- $0
- Personal liability
- $0
- Deductible you keep
- $0
The figure you entered. It should come from a replacement cost estimate, not from what you paid or what the home would sell for.
10% of the dwelling limit, as you set it.
50% of the dwelling limit, as you set it.
20% of the dwelling limit, as you set it.
A limit you choose outright. It is not derived from the dwelling limit, and no deductible applies to it.
What you pay on a property loss before the policy responds. It does not reduce any of the limits above.
The number this tool cannot give you
The dwelling limit is the input everything else depends on, and it is the one figure we have no way to produce. It comes from a replacement cost estimate on your actual house: its size, its construction, its finishes and local building costs.
A contractor or the insurer can do that. We would only be guessing, and a guess at the top of this page would be wrong all the way down it.
Methodology
How this tool works, and what it will not tell you
Methodology
How this tool works, and what it will not tell you
You enter a dwelling limit and three percentages. Other structures, personal property and loss of use are each that percentage of the dwelling limit. Liability is a limit you choose outright rather than a percentage, and the deductible is money you keep rather than coverage you buy, so neither is derived from the dwelling figure. The percentages the form starts with are this tool's defaults, chosen as round numbers so the arithmetic is easy to follow. They are not a survey of what carriers offer, and we do not present them as typical. Carriers and policy forms set them differently, and some let you buy each one up or down independently, so replace each default with the number on your own declarations page. The authoritative input to this whole exercise is a replacement cost estimate from a contractor or from the insurer, not a number this tool could produce. This tool produces no premium, no quote and no savings figure. Pricing depends on rate filings and underwriting data this site does not hold, so any number we printed there would be invented. We would rather show you the arithmetic we can stand behind.
Assumptions
- The dwelling limit you enter is a replacement cost figure, not a market value or a purchase price.
- The three percentages are yours to set. The defaults are this tool's round starting numbers, not market data.
- One deductible applies to property losses, and none applies to liability.
Limitations
- It does not estimate what your home would cost to rebuild. That needs a contractor or an insurer inspection.
- No premium, no quote and no comparison against what anyone else pays.
- It does not model percentage deductibles for wind, hail or hurricane, separate perils with their own deductibles, or extended and guaranteed replacement cost endorsements.
- It does not model sub-limits inside personal property, which are what actually cap jewelry, cash, firearms and business property claims.
- Flood is excluded by standard homeowners policies and is not part of this arithmetic at all.
This tool cites no outside source, because it adds up the numbers you type and nothing else. Where a figure comes from somewhere, the figure carries the citation.
Tool last reviewed 2026-09-30