How US homeowners HO-3 coverage is structured
In the United States, homeowners insurance policies (HO-3) link coverages to Dwelling Coverage A: Other Structures is typically 10% of A, Personal Property is 50% to 70% of A, and Loss of Use is 20% of A.
Dwelling coverage must reflect the local square footage construction cost, excluding the value of the land.
Worked example: US suburban home
A 2,200 sq ft home at $185 per sq ft rebuild cost requires $407,000 in Coverage A (Dwelling), $40,700 in Coverage B (Other Structures), $244,200 in Coverage C (Personal Property at 60%), and $81,400 in Coverage D (Loss of Use), for total property protection of $773,300.
Inputs for the home insurance US calculator
Finished Square Footage
Total finished above-ground interior square footage of your home.
Rebuild Cost per Sq Ft
Average local contractor construction cost per square foot.
Personal Property %
Percentage of Dwelling Coverage A allocated to personal belongings (50% to 70%).
Personal Liability Limit
Coverage E liability protection against lawsuits ($100k, $300k, or $500k).
Property Deductible
Your out-of-pocket claim deductible (commonly $1,000 or $2,500).
CALCULATOR QUESTIONS
US home insurance calculator questions
Does homeowners insurance cover flooding in the US?
No. Standard US homeowners policies exclude flood damage; flood protection must be purchased separately through the National Flood Insurance Program (NFIP).
What is extended replacement cost coverage?
An extended replacement cost endorsement pays 10% to 25% above your Dwelling Coverage A limit if construction costs surge following a widespread disaster.