Zillow Advice: Home Ownership - How to accurately estimate a house replacement cost? http://www.zillow.com/advice-thread/How-to-accurately-estimate-a-house-replacement-cost/468098/ Zillow Advice | Zillow Real Estate Some of this is helpful, ... http://www.zillow.com/advice-thread/How-to-accurately-estimate-a-house-replacement-cost/468098/ Some of this is helpful, but I'd like to point out that the link provided is for the United States only. &nbsp;Unfortunately, I live in Canada and so it doesn't help.<br/>&nbsp; Mon, 10 Nov 2014 16:02:00 GMT http://www.zillow.com/advice-thread/How-to-accurately-estimate-a-house-replacement-cost/468098/ 2014-11-10T16:02:00Z I wouldn't talk to an insurance ... http://www.zillow.com/advice-thread/How-to-accurately-estimate-a-house-replacement-cost/468098/ I wouldn't talk to an insurance company.&nbsp; They have no experience whatsoever with construction, material, or labor costs.&nbsp; The only person in an insurance field that would have any knowledge of that would be in claims, and if you manage the miracle of talking to one of them, they won't be able to divulge enough information to you to make a proper decision.&nbsp; Talk to real contractors, find out who built your home and ask them, or leverage social media to get in touch with others in your neighborhood with similar homes as they may have a rock solid idea on material and labor costs.<br/><br/>A new company is coming out called Rate Barn.&nbsp; I've worked with them on some preliminary launch topics, one of them being a replacement cost calculator, once you know your replacement cost, they have all the insurance companies compete to get you the best rate and coverage for that cost value, really intelligent system to keep your finances in check. Sat, 04 Oct 2014 18:21:00 GMT http://www.zillow.com/advice-thread/How-to-accurately-estimate-a-house-replacement-cost/468098/ 2014-10-04T18:21:00Z Thanks so much for your reply ... http://www.zillow.com/advice-thread/How-to-accurately-estimate-a-house-replacement-cost/468098/ Thanks so much for your reply and helpful web link. &nbsp;<br/><br/>L Wed, 14 Nov 2012 18:55:00 GMT http://www.zillow.com/advice-thread/How-to-accurately-estimate-a-house-replacement-cost/468098/ 2012-11-14T18:55:00Z For a ball-park number, you ... http://www.zillow.com/advice-thread/How-to-accurately-estimate-a-house-replacement-cost/468098/ For a ball-park number, you might try the site:<br/><a href="http://www.building-cost.net/CornersType.asp" rel="nofollow">http://www.building-cost.net/CornersType.asp</a><br/><br/>But you still need to know how to answer the questions appropriately.<br/><br/>Insurance companies want to make sure you have enough insurance to cover a loss if it is total... but if you buy "too much" insurance, it won't help you as you can't get them to cover construction costs for more than you had, except for required "code upgrades".<br/> Sun, 11 Nov 2012 07:05:00 GMT http://www.zillow.com/advice-thread/How-to-accurately-estimate-a-house-replacement-cost/468098/ 2012-11-11T07:05:00Z I hear this question all ... http://www.zillow.com/advice-thread/How-to-accurately-estimate-a-house-replacement-cost/468098/ <p>I hear this question all of the time - but I dont understand why an insurance company can not do it for you, as their replacement value is unique. You wouldnt contact an appraiser, those figurest would be wrong. Not sure about a contractor either.<br/><br/>I might consider talking to another insurance person and ask...</p> Sun, 11 Nov 2012 06:37:00 GMT http://www.zillow.com/advice-thread/How-to-accurately-estimate-a-house-replacement-cost/468098/ 2012-11-11T06:37:00Z