Build your home on screen. Get the number that rebuilds it.
Twenty-five inputs — foundation to roof complexity, kitchen grade to detached structures — produce a component-by-component rebuild estimate with a confidence rating and a downloadable PDF report. The most detailed free estimator any Michigan agency offers.
How this estimator prices: the base rate is a complete standard home at your chosen quality — including a standard poured-basement foundation, roof, siding, windows, kitchen, two full baths, and contractor overhead. Your selections adjust up or down from that standard, so credits (shown as negatives) are normal.
1 · Property & location
2 · Structure
3 · Foundation & basement
4 · Interior
5 · Systems
6 · Roof, windows & exterior
7 · Garage & attached features
Permanently attached to the dwelling — counted in the rebuild number:
8 · Outdoor property & detached structures
These typically fall under other structures / separate coverages, not the dwelling limit — shown as a separate subtotal:
Enter at least the above-ground square footage (300+) to calculate.
What this home rce can—and cannot—tell you
Replacement cost is an estimate of the labor, materials, contractor overhead, debris removal, and related expense needed to rebuild a home—not its market value, tax assessment, mortgage balance, or purchase price. The estimator organizes the characteristics that materially change that number and produces a reviewable component breakdown.
How to use it
- Enter the home as it exists today: finished square footage, stories, foundation, exterior, roof, interior grade, attached structures, and special features.
- Review the component breakdown for missing or understated items such as finished basements, porches, garages, custom kitchens, fireplaces, debris removal, and detached structures.
- Save the PDF, compare it with your insurer’s replacement-cost worksheet, and ask a licensed agent to review any large difference before changing Coverage A.
Before you rely on the result
- This is an educational estimate, not an appraisal, contractor bid, coverage guarantee, or promise that a claim will be paid in a stated amount.
- Post-catastrophe demand, historic construction, log homes, unusual architecture, high-end finishes, code upgrades, remote sites, and local labor constraints may require professional review.
- Coverage terms, limits, valuation clauses, coinsurance requirements, ordinance or law, and extended or guaranteed replacement cost vary by policy and carrier.