Bill Layne Insurance

Coverage Calculator Calculate Your Protection

Determine the right amount of insurance coverage for your home, belongings, and liability protection

125%
Replacement Cost Rule
50-70%
Personal Property Coverage
$1M+
Recommended Liability

How This Calculator Works

Enter your home details below to get personalized coverage recommendations. We'll calculate dwelling coverage, personal property limits, and liability protection based on current replacement costs in North Carolina.

NC Rebuild Costs

Basic Construction: $100-120/sq ft
Standard Quality: $120-150/sq ft
Custom/Luxury: $150-250/sq ft

Coverage Types

  • A - Dwelling: Home structure
  • B - Other Structures: Detached garage, shed
  • C - Personal Property: Your belongings
  • D - Loss of Use: Living expenses
  • E - Liability: Legal protection
  • F - Medical: Guest injuries

Pro Tips

  • • Update coverage annually
  • • Document belongings with photos
  • • Consider replacement cost coverage
  • • Review after renovations
Get Expert Help
Home Details
Property Features
Personal Property & Liability

Ready for Your Official Quote?

Get personalized coverage recommendations and competitive rates from our expert agents

Call (336) 835-1993 or Get Free Quote Online

1283 N Bridge St, Elkin, NC 28621

Save@BillLayneInsurance.com

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