Calculators › Home & property

Home coverage check (80% rule) calculator

Most homeowners policies pay partial losses in full only if your dwelling limit is at least 80% of rebuild cost, and below that they pay proportionally.

Cost to rebuild ($)Your dwelling limit ($)Size of a partial loss ($)Deductible ($)

This is an educational tool, not a quote or advice. It uses general formulas and the figures you enter. Policy terms, state rules and insurer practice vary, so check anything important with a licensed agent.

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