Rebuild Cost Estimator — Holistiplan (embed)

Run the numbers and see the AUM at risk

State

Please select a state.

ZIP code

Enter a valid 5-digit ZIP

Living area (sq ft)

Construction quality

Estimated rebuilding cost

National base rate

State cost factor

Location adjustment

Quality tier

Quality floor enforced

Square footage

Effective cost per sq ft

Based on a $200/sq ft national base rate with state, metro, and rural adjustments. Custom quality floors at $350/sq ft; premium at $500/sq ft. Covers structural rebuild only. Contents, landscaping, and additional living expenses are separate. Confirm with a licensed contractor or industry-grade replacement cost tool.

Rebuild cost by quality tier

Rebuild cost vs. square footage

4002,5005,0007,50010,000 sq ft

Coverage gap analysis

When a client is underinsured, the shortfall doesn't go away. It moves to your portfolio.

Enter their current homeowners dwelling limit to see how much their coverage falls short of the estimated rebuild cost.

Current dwelling limit on homeowners policy

This is the "Coverage A — Dwelling" amount on your client's declarations page. It's the maximum the policy pays to rebuild the structure after a covered loss.

Coverage gap analysis

Current limit

homeowners policy

Estimated rebuild

full reconstruction

Shortfall

Coverage gap, current limit vs. rebuild estimate

Where coverage runs out

4002,5005,0007,50010,000 sq ft

Impact to AUM

The gap doesn't disappear. It becomes your client's problem, and your portfolio's.

Your client has four options to cover the difference, and each one draws from assets you manage.

Highest cost

401(k) distribution

Taxed as ordinary income plus 10% penalty. The gross pull can be 40–50% above the actual gap.

Moderate risk

401(k) loan

IRS-capped at $50k. A job change converts it to a taxable distribution immediately.

Lower cost

HELOC on home equity

No taxes, but puts the home back at risk. Variable rate over 10 years trades one exposure for another.

Most flexible

Taxable account sale

LTCG rates are lower than ordinary income, but low cost-basis positions amplify the tax drag.

The full analysis models each option with the real numbers, taxes, penalties, and opportunity cost, for your client's specific situation.

Advisor access · Step 2 of 2

Unlock the full Impact to AUM analysis

Model the real out-of-pocket cost of covering this gap from a 401(k) distribution, 401(k) loan, HELOC, or taxable account sale, with taxes, penalties, and lost growth factored in.

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