Your Home
Ordinance or Law Gap
Rebuilding an older home means meeting today's codes. See how much of that your policy sub-limit actually covers.
Calibrate
Drag to set each value — estimates are fine.
On your declarations page.
Older homes need more work to meet current codes — wiring, plumbing, insulation, structural fastening.
Standard policies commonly include 10%. Higher amounts are usually an endorsement.
Once damage passes about half the structure, many jurisdictions require the whole building to meet current code.
ICC Team
Insurance Confidence Center
A number is a starting point. Walking through what it means for your actual policy is the part that changes anything.
What this means for you
Get a plain-English summary of your reading.
Levers that move this
- Your dwelling limit (Coverage A)
- Year the home was built
- Your ordinance-or-law coverage
- Damage scenario to illustrate
Drag these dials above to see the effect instantly.
Get the full write-up
The assumptions behind the figure, the method, and the disclosures that go with it.