Compare an entered rebuild-cost estimate with a quoted dwelling limit and budget an actual premium and fees without fabricating risk pricing.
A quick decision brief for this specific tool
Externally sourced replacement-cost estimate, quoted dwelling limit, actual annual premium, annual policy/installment fees, and exact dwelling deductible
Dwelling-limit gap/surplus and percentage of estimate, annual/monthly quote budget, and the entered deductible shown separately
Compares two entered dwelling figures and budgets an actual quote; market value, premium, risk class, claim payment, and coverage adequacy are not inferred
Choose your path
Compare an externally sourced rebuild-cost estimate with an actual quoted dwelling limit and premium without fabricating risk or claim pricing.
Compare current dwelling limit with a current rebuild-cost estimate.
Exclude land/market/mortgage/tax values, enter the sourced structure estimate and declaration limit, then inspect the signed difference.
Can identify a question for the insurer without treating the result as adequacy.
Budget actual premium and fees while keeping terms aligned.
Match valuation, limits, sublimits, deductibles, endorsements, roof/ordinance terms and payment schedule before comparing annualized quote cost.
Does not accept a generic rate per $100K or location multiplier.
Avoid assuming a standard homeowners policy covers every peril.
Use the worksheet for dwelling/quote arithmetic only, then separately verify flood, earthquake, wind/hail, named-storm and other hazard coverage.
Recognizes separate policies, exclusions, percentage deductibles and availability constraints.
Outputs and checklists are planning aids. Review the linked current authorities and the records, terms, instructions, and requirements that apply to your exact situation before a consequential decision.
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Source a current estimate for rebuilding the insured structure. Exclude land, sale price, mortgage balance, and tax assessment unless the professional source explicitly uses them.
Limit difference = entered dwelling limit − entered replacement-cost estimateAdd only the annual premium and annual policy/installment fees shown for the matched quote. Do not invent a generic rate per $100,000.
Quoted annual cost = entered annual premium + entered annual feesDisplay the entered deductible separately. Insurance-to-value conditions, valuation, limits, exclusions, endorsements, percentage deductibles, and claim payment require the actual policy.
Monthly budget average = quoted annual cost ÷ 12Updated: August 2026
Compare a $475,000 dwelling limit with a $500,000 rebuild-cost estimate and budget the actual quote.
→ Shows a $25,000 limit difference below estimate, 95% ratio, $2,475 annual quote cost, and $206.25 monthly average.
Use a quoted limit higher than the current sourced estimate.
→ Shows zero below-estimate difference and $50,000 above the entered estimate without calling coverage adequate.
Use the ordinary dwelling worksheet, then review separate hazard terms externally.
→ Makes no coastal/flood multiplier or claim-coverage assertion.
Enter a current structure replacement-cost estimate, the quoted dwelling limit, annual premium, fees, and exact dwelling deductible. The worksheet reports the limit difference and quote budget only. It does not use market value as rebuild cost, price risk, determine adequate coverage, calculate a claim, or assume flood and other catastrophes are covered.