Insurance replacement cost
Insure the rebuild, not a guess.
A replacement cost valuation estimates what it could take to rebuild your home. Bring it to your agent to talk through coverage.
From $249. Delivery timing is confirmed with your order.
123 Oak St
1,536 sq ft · 3 bed · 1 bath
- Living area
- 1,536 sq ft
- Single level, no garage, porch or basement
- Cost to rebuild, per sq ft
- $175
- Local building costs, average quality
- Estimated replacement cost
- $268,800
- 1,536 sq ft × $175 · Apr 14, 2026
Appraiser signature
State-licensed appraiser
Signed
Apr 17, 2026
01Two different numbers
Replacement cost isn’t market value.
Market value is what the home would sell for, land and location included. Replacement cost is what it could take to rebuild the house.
Replacement cost valuationSample123 Oak St
As of Apr 14, 2026
Market value
$422,000
What it would sell for · land included
Replacement cost
$268,800
What it could cost to rebuild · house only
- Which one your policy uses
- Ask your agent
Rebuilding can cost more or less than a home sells for, depending on the market.
02With your agent
Check it against your policy.
Bring the estimate to your agent and compare it with your dwelling coverage. The valuation doesn’t change your policy.
- Discuss rebuilding costs and limits with your agent
- Re-check after additions and renovations
- Your insurer sets what it needs from a report
Coverage conversationSample123 Oak St
Bring this to your agent
- Estimated replacement cost
- $268,800
- Dwelling coverage on your policy
- $240,000
- From your declarations page
- Difference
- $28,800
- Worth a conversation with your agent
Not a construction quote or a coverage guarantee.
03Your phone walkthrough
Show the appraiser your home.
Walk room to room with your phone and talk through what’s changed. The appraiser decides whether that’s enough or a visit is needed.
See how it worksPhone walkthroughSample123 Oak St
15 min · 8 rooms · narrated
Exterior 
Living room 
Kitchen - Rooms covered
- ExteriorLiving roomDiningKitchenBathroomBedroom 1Bedroom 2Bedroom 3
- Your noteKitchen · said at 04:21
- “Kitchen was updated in 2023.”
The appraiser decides whether this is enough or a visit is needed.
123 Oak St
As of Apr 14, 2026
Market value
$422,000
What it would sell for · land included
Replacement cost
$268,800
What it could cost to rebuild · house only
- Which one your policy uses
- Ask your agent
Rebuilding can cost more or less than a home sells for, depending on the market.
How it works
From your walkthrough to a rebuild estimate.
Four steps. Ask your insurer what it needs before you order.
- Step 1
Check what your insurer needs
Ask whether it wants this kind of report, and in what format, before you order.
Intended use
Insurance coverage review
- Step 2
Show us the home
Walk through on your phone. The appraiser decides whether that’s enough or a visit is needed.
KitchenBathroomLiving roomExterior - Step 3
The appraiser values it
Your home’s size, build and finishes, priced at local rebuilding costs.
Replacement cost
$268,800
- Step 4
Get the signed report
Signed by a state-licensed appraiser, ready for your agent.
Signed
Apr 17, 2026
From $249Typical $299Sample figures. Delivery timing is confirmed with your order.
See all pricingInsurance replacement cost
One flat fee. A state-licensed appraiser signs it.
Delivery timing is confirmed with your order.
- starting price for this appraisal
- $249
- typical price for this purpose
- $299
Guides
Read before you order.
Plain-English guides to how this kind of appraisal works.
FAQ
Questions homeowners ask
How is replacement cost different from market value?
Market value concerns a property’s sale value, including land. Replacement cost concerns rebuilding with comparable materials. Ask your agent how your policy defines and covers rebuilding costs.
Will my insurance carrier accept this?
Acceptance depends on the insurer and the agreed report scope. Get its requirements before ordering; a report cannot guarantee a coverage change or claim payment.
How often should I re-check replacement cost?
Discuss coverage at renewal and after additions or renovations. Ask your agent whether an updated estimate is needed.
Know what a rebuild could cost.
From $249. A state-licensed appraiser signs every report.