Virginia Home Insurance Calculator

Get dwelling coverage estimates using our home insurance calculator

Get a rough idea how much dwelling coverage you might need to replace your VA home if it is damaged by a covered peril with our handy homeowners insurance calculator. Our convenient tool takes your home’s location and square footage into consideration. Your agent will calculate the exact amount you need using more detailed information.

How to use your homeowners insurance calculator

Follow three simple steps to get a range of estimates with the Virginia home insurance calculator:

  1. Enter your Virginia zip code
  2. Enter your home’s square footage
  3. Click “calculate”

Within a matter of seconds you will see a range of estimates for a home of similar size in the same area. Speak with your agent so he or she can collect more information about your home’s unique features and provide you with appropriate insurance quotes.

Dwelling coverage and our Virginia home insurance calculator

Dwelling coverage is the primary property insurance in a standard VA homeowners policy—if your home were to burn down in a fire, for example, the dwelling coverage would pay to rebuild the main structure. It’s imperative that your dwelling coverage be adequate to cover the replacement cost if your home is destroyed by a covered peril.

There are typically five other types of coverages listed on a standard home insurance policy that come into play when there is a covered claim. Your agent will use your dwelling limit to determine the limits of the other types of coverage on your policy:

Use our convenient homeowners insurance calculator to figure out how high your dwelling coverage might need to be. Then speak with your agent and get an exact amount.

Use our homeowners insurance calculator to get free estimates on dwelling coverage today!

How much Dwelling Coverage do I need?

Please provide your zip code and the square footage of your home to get dwelling coverage estimates.

Enter Zip & Square Footage


Your Zip Code and Local Building Costs

The average U.S. building cost is $95.51/square foot. By adding your zip code in our calculator, we can calculate your dwelling cost based on the specific building costs in your region. Your actual building cost may vary depending on your home. For example, if you have upgrades such as granite counter tops, hardwood floors, etc., your building costs may be higher than the average cost in your area. To find out your exact building costs, contact your local real estate agent, home insurance agent, or local builders association.

Sq. Ft.

Square Footage of Your Home

The square footage of your home includes finished living areas on the ground floor, upper floor(s) and basement area or any area of the home that is heated.

  Calculate Your Home Insurance Dwelling Coverage