Property & casualty
Dwelling coverage, often Coverage A on a homeowners policy, pays to repair or rebuild the house itself and attached structures after a covered loss. The limit should reflect the cost to rebuild at current local labor and material prices, which is a different figure from the home's market value or its purchase price.
Underinsured homes are common after periods of rapid construction-cost inflation, and the gap usually surfaces only after a large claim. Reviewing the dwelling limit at renewal, especially after renovations, is one of the most valuable service touches a personal-lines agency can make.
The homeowners coverage calculator does this math with the prospect's own numbers. The useful inputs are the ones a replacement-cost estimator would ask for, square footage, construction quality and local rebuild cost, and the useful output is the gap between that figure and the current Coverage A limit.
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