Construction costs have changed dramatically in recent years. Many homeowners are surprised to learn their current insurance coverage may not fully rebuild their home after a major loss.
This simple calculator helps you estimate your home’s rebuild cost and compare it to your current coverage. It only takes a minute, and the peace of mind can be worth it.
Enter your Coverage A (Dwelling Limit) to see your estimate and recommendation.
Why a Second Opinion Makes Sense
TDW is an independent insurance agency. That means we’re not limited to a single carrier — we compare options from multiple companies to help you find the right protection for your home, auto, valuables, flood coverage, umbrella policies, and more. Even if you ultimately stay with your current provider, reviewing your coverage can provide clarity and peace of mind. Getting a quote is always free, and there’s never pressure to switch.
This calculator provides an estimated structural rebuild cost only. It does not include personal property coverage, debris removal, ordinance or law upgrades, temporary housing, landscaping, or surge pricing that can occur following a widespread disaster. Estimates are based on national construction cost data and Midwest averages. This tool is for informational purposes only and does not constitute an insurance quote or guarantee of coverage.
