Home Replacement Cost Calculator
Estimate what it would cost to rebuild your Florida home today. Use this number to set Coverage A on your homeowners policy — not your market value, not your assessed value.
How this calculator works
Replacement cost is the dollar amount it would take to rebuild your home with materials and labor at today’s prices. It’s different from market value (what someone would pay you for it) and from assessed value (what the county tax appraiser says it’s worth).
Our calculator starts with a Florida county-adjusted base price per square foot, layered with construction type, finish quality, and adjustments for pools and impact windows. Carriers use commercial tools (Marshall & Swift, Verisk 360Value, etc.) to calculate their own number — yours will fall in a similar range.
Calculators provide estimates only. Real carrier quotes vary based on factors not captured here. Click “Start my quote” to get a real quote tailored to your specifics from a Florida-licensed agent.