Find out if you're under-insured before disaster strikes
Most homeowners are 20–40% under-insured on their dwelling coverage. The reason: insurance carriers price for replacement cost when you bind the policy, then construction costs rise 5–15% per year while your Coverage A limit only adjusts at renewal. After Harvey, the Texas DOI estimated 60% of damaged homes carried insufficient dwelling coverage.
$49–99 Coming soonWho should run a replacement cost estimate?
Every Texas homeowner. Run one when you buy the home, after any major renovation, and at every annual policy renewal. Especially important if your home was built before 2010 (construction cost inflation is steep), if you've added square footage, or if you live in a high-risk area (coastal counties, flood plains, wildland-urban interface).
What does an independent estimate tell me?
Three numbers: (1) the current rebuild cost of your specific home using R.S. Means construction unit-cost data, (2) your current Coverage A limit from your declarations page, and (3) the gap. If the gap is negative, you're under-insured — file an increase request with your carrier or shop a new policy. If positive, you may be over-paying premiums; ask for a reduction.
What's in the report
- Replacement-cost estimate using your home's actual specifications (sqft, year built, construction class, story height, garage/pool features)
- Side-by-side comparison against your current Coverage A limit (from your declarations page)
- Local construction cost adjustments — Harris County, Travis County, etc., have different labor and material costs
- Documentation you can use to request a coverage adjustment from your carrier
- Re-run guidance — when to refresh the estimate (after renovation, every renewal, after major code changes)
How it works
Enter your address
We pull sqft, year built, lot size, and construction features from county records.
Provide construction details
Construction class (frame / brick / stucco), story count, garage type, finish level. 5 minutes.
Get your report
PDF with rebuild cost, comparison to your declared Coverage A, and a documented basis for requesting adjustments.
Get early access
Drop your email and we'll notify you the moment Find out if you're under-insured before disaster strikes is live. Founding subscribers get early-access pricing.
No spam. One email when it launches, plus the occasional product update. Unsubscribe anytime.
Frequently asked questions
Why does my insurance company's estimate differ from yours?
Carriers use proprietary models that bake in their company's cost factors and underwriting assumptions. Independent estimates use published third-party construction cost data (R.S. Means) with no underwriting bias. The two should be within 10% of each other; if they differ by more, the carrier model is usually the under-estimate (carriers competing on premium have an incentive to low-ball Coverage A).
Can you bind a policy or quote insurance for me?
No. We're not a licensed insurance agent or broker. We provide the rebuild-cost data; you share it with your existing carrier or use it while shopping new policies.
What about contents and other structures (Coverage B / C / D)?
Coverage B (other structures), C (personal property), and D (loss of use) are derived as percentages of Coverage A in most policies — typically 10%, 50%, and 20% respectively. Our report flags the implied B/C/D limits given your declared A so you can spot under-coverage across the whole policy.
Does this help with flood insurance?
No. Standard homeowner policies exclude flood; flood requires a separate NFIP policy or private flood insurance. See our Flood Risk Assessment for that side.
When will this be available?
Currently in development. Sign up below for early access.