Is Your Home Underinsured? The 80 Percent Rule: by coverage carried
2026 law · reviewed September 7, 2026
| Dwelling coverage | Share of rebuild cost | Share of the loss paid | Paid on the loss | Unpaid beyond the deductible |
|---|---|---|---|---|
| $300,000 | 63% | 78.1% | $75,625 | $21,875 |
| $350,000 | 73% | 91.1% | $88,646 | $8,854 |
| $384,000 | 80% | 100.0% | $97,500 | $0 |
| $480,000 | 100% | 100.0% | $97,500 | $0 |
A $100,000 loss with a $2,500 deductible on a house costing $480,000 to rebuild under an 80% clause, at four levels of dwelling coverage (hypothetical assumptions; method reviewed September 7, 2026).
Educational only, not investment, tax, or legal advice. Results are hypothetical estimates that vary with each use and over time and are not guaranteed accurate or complete. Using this tool creates no client relationship with Considerate Capital, and the site that linked here is not affiliated with it. By using it you agree to the tool terms.