The quickest way to create accurate estimates & reports

  • Produce quick, credible home building square-foot cost estimates and replacement value reports
  • A smart resource for adjusters and appraisers using the cost approach, or homeowners researching insurance-to-value (ITV) ratios
  • Includes access to unlimited reports, free technical support, up-to-date and reliable cost data for just $5.99 per month
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Many American homes are undervalued or underinsured

That means millions of homeowners throughout the nation are at risk of major financial loss should a natural disaster hit their neighborhood. This easy-to-use calculator produces an insurable value (insurance-to-value) report for single-family homes in the U.S. – including high-value luxury spec homes or mansions. It’s an essential tool for homeowners and underwriters making policy decisions, or appraisers using the cost approach to valuation.

Current cost data you can trust

The Insurance Replacement Estimator complies with the Uniform Appraisal Data (UAD) quality ratings and uses the same component-based models as Craftsman Book Co.’s National Building Cost Manual, a trusted print publication for nearly 40 years.

Dedicated technical support

Whether it’s a quick question or more tricky stuff, our support team is here to help you make the most of the Insurance Replacement Estimator.

Create an insurance valuation
in about 5 minutes

Insurance underwriters demand detailed, accurate valuation data. There's no better authority on replacement cost for single-family homes than the Insurance Replacement Estimator. In minutes you get an insurance to value report showing the cost of re-construction based on your specification. You can generate and save unlimited reports, and the first month is free to try out.

Meaningful reports, fast

Reports cover all important variables including: materials used, design features, quality, size, shape, heating, cooling and geographic area.

Reports also include functions required by state laws such as California 10 CCR 2695.183 and Florida ATB #006-10. Your estimate shows detailed labor and material costs for more than 30 construction cost categories. You get unlimited reports for one low monthly price.

Export reports into a wide variety of formats

Access anywhere

The Insurance Replacement Estimator is a Software-as-a-Service (SaaS) application. That means our software lives in the cloud, setup is instant, there’s no need for any maintenance, and you have access to the most up-to-data cost data available.

Answers to your questions

What's Included in the Insurance Replacement Value Report?

All Construction costs including labor, material, equipment, plans, the building permit, supervision, overhead and profit.

What Costs are NOT Included in the Insurance Replacement Value Report?

Cost of the land, site development (such as bringing utilities to the site), government mandated fees and the cost of overcoming unusual soil conditions.

How Much Detail is in the Report?

See a sample report (pdf document)

What About the Cost of Options, Such as Heating and Cooling?

Insurance Replacement Value makes it easy to add the cost of features such as heating and cooling (including unit heaters), porches and decks, basements, balconies, fireplaces, garages and attics.

What Happens After the Free Trial Ends?

You can try the Insurance Replacement Estimator free for 30 days. No credit card is required to get started. When your trial ends, your estimate, valuations, and reports will become inaccessible. If you want to continue using the Insurance Replacement Estimator, enter a valid payment method from within your account settings, or contact Customer Support.

How Accurate are These Costs?

Craftsman Book Company has published detailed construction cost data for over 50 years. Costs in Insurance Replacement Estimator are based on Craftsman's popular annual reference National Building Cost Manual. Insurance Replacement Estimator is not a substitute for judgment, analysis and sound valuation practice. It's an aid in developing an informed opinion of replacement cost. There's room for legitimate disagreement on replacement costs, even when complete plans and specifications are available, the date and site are established, and labor and material costs are identical for all contractors.