Your home insurance policy’s dwelling coverage amount should be based on the replacement cost of your house. One way to determine the replacement cost value is to use an online replacement cost estimator. Replacement cost is based on factors such as the size of your home and local building costs. The replacement cost of a home is how much it would cost to rebuild the structure based on its original specs at today’s prices for building supplies, construction costs and labor. Depreciation due ...
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Sum insured is: the total amount it would cost to rebuild your house including demolition costs, debris removal, professional fees and council fees ; Sum insured is not: the market value of your house or property · how much you paid for your house · how much the land is worth.
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