We are chaning home owner's insurance and want to make sure we have enough insurance to rebuild. What is the?

Asked by Karen West, San Ramon, CA Sun Aug 10, 2008

estimated cost per square foot to rebuild your house in San Ramon?

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Johnny Huang,…, Agent, Walnut Creek, CA
Sun Aug 10, 2008
Ask a licensed contractor (a few of them), get an idea of the materials your home requires to rebuild. How's the quality of the construction...are you using high quality materials or normal grade? What are the labor costs in the area? Depending on alot of factors, you're looking at $150-$350 per sqft.

The insurance company will use what they call Marshall and Swift calculations http://www.marshallswift.com which is their basis for construction costs.

Again, get with someone that is familiar with construction costs and rebuilding and match it with the insurance company.
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Steven Ornel…, Agent, Fremont, CA
Sun Aug 10, 2008
Hi Karen, this will depend on the amenities you currently have in your home. More than likely, the new insurance company will want to do a visual inspection of your home to determine your insurance premium, which will be based on their estimate to rebuild. -Steve
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