Property Insurance Coverage Calculator
Replacement cost vs market value, the 80% coinsurance test and the penalty for underinsuring.
Formula
The coinsurance clause penalizes partial claims proportionally when you carry less than (usually) 80% of replacement cost — a building 25% underinsured collects only 75% of every claim. Post-inflation rebuild costs jumped 30-40%; policies that were adequate in 2020 often aren't now.
Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need property insurance coverage calculator results fast? Analysts, founders, traders and finance professionals use the Property Insurance Coverage Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About Property Insurance Coverage Calculator
Replacement cost vs market value, the 80% coinsurance test and the penalty for underinsuring. The coinsurance clause penalizes partial claims proportionally when you carry less than (usually) 80% of replacement cost — a building 25% underinsured collects only 75% of every claim. Post-inflation rebuild costs jumped 30-40%; policies that were adequate in 2020 often aren't now. The governing relationship is payout = loss × (carried / required), capped at coverage. The Property Insurance Coverage Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use Property Insurance Coverage Calculator
- 1Enter Building area (sq ft), Rebuild cost per sq ft (currency), Coverage carried (currency), Coinsurance requirement (%), Hypothetical loss (currency) into the Property Insurance Coverage Calculator.
- 2The result is computed automatically using payout = loss × (carried / required), capped at coverage — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use Property Insurance Coverage Calculator?
- ✓Computes property insurance coverage calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the Property Insurance Coverage Calculator?+
Property Insurance Coverage Calculator uses payout = loss × (carried / required), capped at coverage. The coinsurance clause penalizes partial claims proportionally when you carry less than (usually) 80% of replacement cost — a building 25% underinsured collects only 75% of every claim. The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the Property Insurance Coverage Calculator need?+
Enter Building area (sq ft), Rebuild cost per sq ft (currency), Coverage carried (currency), Coinsurance requirement (%), Hypothetical loss (currency) and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the Property Insurance Coverage Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. It is for informational and analytical use, not financial advice.
What should I watch out for when using the Property Insurance Coverage Calculator?+
Post-inflation rebuild costs jumped 30-40%; policies that were adequate in 2020 often aren't now.
What is the Property Insurance Coverage Calculator based on?+
The method follows authoritative sources: ISO property forms — coinsurance condition. The formula and references are shown on the page so you can verify and cite the result.
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