What Would It Cost to Rebuild Your Home?
Most homeowners are underinsured by 20–40%. Our free calculator shows you the real number — in under 2 minutes.
Show My Coverage Gap →Market Value ≠ Insurance Value
Your home's market price includes land — and land can't burn down. Insurance protects only the structure. Most people are insured for the wrong number.
Condo (HO-6)
Your HOA insures the building exterior. Your HO-6 covers only the interior — flooring, cabinets, appliances, your stuff. Coverage needs are much lower than a house.
House / Townhouse
A full rebuild means foundation to roof — materials, labor, debris removal. Florida's construction costs run higher than the national average. Don't underinsure.
Your State
This estimate is for insurance planning purposes. Actual replacement cost should be confirmed by a licensed appraiser or your insurance carrier.
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