How To Calculate Replacement Cost For Homeowners Insurance? 
In order to calculate replacement costs you have one of two options . These will be listed in order of best options . 1 -RRB- Have your home appraised by a licensed professional . He/she will provide you the actual cost to rebuild your home from scratch . This is the best way to start if you have no clue what it would cost to rebuild your home . 2 -RRB- Insurance companies provide agents a Replacement Cost Calculator -LRB- RPC -RRB- . This is an easy tool for the agent , where he/she inputs all the necessary details about the house and location . The RPC then provides an estimated replacement cost . This is not as accurate as an appraiser , but it is free . I hope this helps . 