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Am I underinsured on my home?

Free decision tool — runs reconstruction-cost math (Marshall & Swift + RSMeans 2026) with 15% post-disaster surge factor.

Above-grade finished sqft: 2,000

State

Construction quality

Features

Finished basement (+8%)Attached garage (+5%)Custom features (+12%)

Current Coverage A: $300,000

Verdict

Dangerously underinsured

Coverage ratio: 71% · Gap: $122,625

Reconstruction cost

$422,625

Base $/sqft: $175/sqft
State multiplier: 1×
Quality multiplier: 1×
Surge factor: 1.15× post-disaster
Coverage gap: $122,625

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