Campbell & Associates Insurance Agency, Inc

Campbell & Associates Insurance Agency, IncCampbell & Associates Insurance Agency, IncCampbell & Associates Insurance Agency, Inc

513-752-7722

  • Home
  • Video - Insurance Agency
  • About US
  • Selling/Trading Car Tips
  • Preventing Roof Leaks
  • Lifespan of Home Features
  • Business Insurance
  • Cost to Rebuild
  • Home Insurance Terms
  • Term & Whole Life Ins
  • Business-Based Life Ins
  • Car Noises Explained
  • Car Break-In Protection
  • If Your Car Is Totaled
  • Umbrella Insurance
  • HVAC Up-Keep Tips
  • Complete A Home Inventory
  • Life Changes & Insurance
  • Your Home's Foundation
  • Winter Safety TIps
  • Licensed CSR
  • More
    • Home
    • Video - Insurance Agency
    • About US
    • Selling/Trading Car Tips
    • Preventing Roof Leaks
    • Lifespan of Home Features
    • Business Insurance
    • Cost to Rebuild
    • Home Insurance Terms
    • Term & Whole Life Ins
    • Business-Based Life Ins
    • Car Noises Explained
    • Car Break-In Protection
    • If Your Car Is Totaled
    • Umbrella Insurance
    • HVAC Up-Keep Tips
    • Complete A Home Inventory
    • Life Changes & Insurance
    • Your Home's Foundation
    • Winter Safety TIps
    • Licensed CSR

513-752-7722

Campbell & Associates Insurance Agency, Inc

Campbell & Associates Insurance Agency, IncCampbell & Associates Insurance Agency, IncCampbell & Associates Insurance Agency, Inc
  • Home
  • Video - Insurance Agency
  • About US
  • Selling/Trading Car Tips
  • Preventing Roof Leaks
  • Lifespan of Home Features
  • Business Insurance
  • Cost to Rebuild
  • Home Insurance Terms
  • Term & Whole Life Ins
  • Business-Based Life Ins
  • Car Noises Explained
  • Car Break-In Protection
  • If Your Car Is Totaled
  • Umbrella Insurance
  • HVAC Up-Keep Tips
  • Complete A Home Inventory
  • Life Changes & Insurance
  • Your Home's Foundation
  • Winter Safety TIps
  • Licensed CSR

Reconstruction Cost Estimate

What's a reconstruction cost estimate?

Your reconstruction cost estimate (also known as your dwelling coverage limit) is part of your homeowner’s insurance policy. It refers to the cost of rebuilding your home and any attached structures as they were before a total loss. The most important thing to know about a reconstruction cost estimate is that it’s not the same as your house’s current market value. 

How is it calculated?

The simplest way to determine your home’s reconstruction cost estimate is to look up the average per-foot rebuilding costs (labor and materials) where you live. Multiply that per-foot cost by the square footage of your home and any attached structures. 

Reconstruction Cost Estimate vs. Home Appraisal

A home appraisal looks at the real estate market in your area and comparable properties to determine a sale price for your house based on its location, condition and other relevant factors.

In contrast, a reconstruction cost estimate is solely about the price of labor and materials. If you had to build your home from the ground up, to resemble its current condition, what would it cost?

It’s important to choose the right amount of dwelling coverage, or you could be left with out-of-pocket costs for the difference between your coverage limit and the actual reconstruction cost. When you contact me I will also explain the differences between Guaranteed replacement cost, Extended replacement cost, and Functional replacement cost. Did you know that you have options? 

Reconstruction cost estimate

What’s the difference between a reconstruction cost and a replacement cost?

The replacement cost for your home refers only to the price of labor and materials. Reconstruction cost accounts for additional costs related to rebuilding such as demolition, debris removal, and more. 

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Campbell & Associates Insurance Agency, Inc

190 West Main Street, Amelia, Ohio 45102, United States

513-752-7722 Office 513-218-4708 Work Cell Shannon@autohomelife.net

Hours

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09:00 am – 05:00 pm

Campbell & Associates Insurance Agency, Inc

190 W. Main Street Amelia, OH 45102

513-752-7722

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