How is dwelling unit cost calculated by agents for Home Insurance?Can someone here please guide me as to how the dwelling unit cost is calculated by Insurance agents for quoting a home owner Insurance?My dwelling unit cost keeps on increasing every year. I don't understand onething, when the home value is less than what I purchased at the moment how can dwelling unit cost be more?Your advice will be highly appreciated.March 01 2012 - Fairview Heights00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.