12/18/2025
Would your homeowners insurance actually rebuild your home?
Most people assume their policy will cover rebuilding — but replacement cost is based on today’s construction prices, not the market value of your home. According to a recent industry housing cost guide, rebuilding a house typically costs around $175 per square foot for Southwest VA.
That means a 1,400 sq ft home could easily cost around $280,000 or more to rebuild after a total loss — and that figure doesn’t include upgraded materials, code compliance, demolition, or site work.
Does your current dwelling coverage match today’s real rebuild costs?
Increasing your coverage doesn’t have to break the bank.
We regularly help homeowners boost their coverage while keeping their payment the same — or even saving money.
Give us a call for a free policy review.
It could make all the difference if disaster ever strikes.
Kyle Insurance & Realty, Inc.
📞 276-236-6134
