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This is the estimated value of your home, excluding the land. If you have a current homeowner’s policy, this amount is referred to as “Coverage A” or “Dwelling” coverage on your policy declarations page. If you recently purchased a home, you can determine this amount from an appraisal. Remember, it is not the total price you paid for the house, because it should not include the value of the land. If you have a significant loss to your home, your land will still be intact, so you do not need insurance for it. If you cannot determine the estimated replacement cost of your home, please contact a licensedadvocatewho can use a “replacement cost estimator” to assist you in determining an accurate replacement cost of your house.