Reconstruction Cost Estimator - Premier Mountain Insurance

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Contact & Property Information

A few questions about you and your home. This form helps us create an accurate replacement-cost estimate for your insurance.

Your Name *

First

Last

Best Phone Number *

Email Address *

Property Address (the home being insured) *

Address Line 1

Address Line 2

City

State

Zip Code

Is your mailing address the same as the property address?

Yes — same as property
No — I use a different mailing address

Mailing Address (only if different from property)

Address Line 1

Address Line 2

City

State

Zip Code

Current Dwelling Coverage Amount, if known ($)

Your current Coverage A / dwelling limit. Leave blank if unsure.

Building Basics

A few core facts about your home that drive most of the replacement-cost estimate.

Year Built *

The year your home was originally constructed.

Home Style *

Number of Stories (above ground) *

Stories above ground — do not count basement.

Finished Living Area (Square Feet) *

Do NOT include finished basement, built-in garage, or lower-level unfinished area.

Typical Ceiling / Wall Height

Number of Families / Units

Overall Construction Quality

How would you describe the overall build quality of your home?

Site Access

How would a construction crew reach your property?

Foundation & Basement

What your home sits on, plus any basement space.

Foundation Type

Foundation Material

Does your home have a basement?

Number of Basement Levels (if applicable)

Basement Depth (feet below grade)

Approximate % of Basement that is Finished

Basement Finish Quality (if finished)

Basement Has Walk-Up or Walk-Out Stairs?

Yes — exterior stairs
No
Not Applicable

Kitchen & Bathrooms

These are the biggest cost drivers for any home replacement estimate.

Kitchen Quality / Grade

What best describes your kitchen finishes (cabinets, counters, appliances)?

Number of Full Bathrooms

Tub + shower + toilet + sink.

Full Bathroom Quality / Grade

Number of Three-Quarter Bathrooms

Shower + toilet + sink (no tub).

Three-Quarter Bathroom Quality / Grade

Number of Half Bathrooms

Toilet + sink only.

Half Bathroom Quality / Grade

Interior Finishes

Approximate percentages or "check all that apply" are perfectly fine — your best guess is great.

Floor Coverings (check all that are in your home)

Carpet
Hardwood
Engineered Wood / Laminate
Tile (Ceramic / Porcelain)
Stone / Marble
Vinyl / Sheet Vinyl
Vinyl Plank (LVP)
Concrete (stained/polished)
Other

Approximate Floor Coverage Mix (optional)

Example: "70% carpet, 18% hardwood, 6% vinyl, 5% tile."

Wall Coverings (check all that apply)

Paint
Wallpaper
Wood Paneling
Tile
Stone / Brick Accent
Other

Primary Interior Wall Material

Primary Ceiling Material

Approximate Number of Interior Doors

Special Interior Features (Optional)

Skip any that do not apply to your home.

Number of Fireplaces or Wood Stoves

Fireplace Type (if applicable)

Number of Staircases

Staircase Style

Premium Interior Features (check all that apply)

Crown / Decorative Moldings
Built-in Cabinetry / Niches
Wet Bar
Coffered or Tray Ceilings
Vaulted / Cathedral Ceilings
Wide or Extra-Wide Staircases
Interior Columns
Deluxe / Designer Specialties
Smart-Home Integration
None of the above

Heating, Cooling & Electrical

Best guesses are fine — these are quick.

Primary Heating Type

Primary Cooling Type

Electrical Service

Other Home Systems (check all that apply)

Solar Panels
Whole-House Generator
Whole-House Water Filtration / Softener
Central Vacuum
Security / Alarm System
Smart Thermostat
None of the above

Exterior — Roof, Siding & Windows

Tell us about the outside of the home.

Roof Style / Slope

Roof Cover Material

Roof Shape Complexity

Approximate Age of Roof (years)

Primary Exterior Wall Material

Window Type

Window Features (check all that apply)

Double-Pane
Triple-Pane
Low-E Coating
Argon-Filled
Casement
Bay / Bow Windows
Skylights
Custom / Specialty Shapes
None / Not Sure

Approximate Number of Exterior Doors

Garage, Porches & Decks

Attached structures that affect replacement cost.

Garage / Carport (check all that apply)

Attached Garage — 1 Car
Attached Garage — 2 Car
Attached Garage — 3 Car
Attached Garage — 4+ Car
Detached Garage
Carport
None

Cover that Shape

Approximate Garage Square Footage

Garage Finish

Porches, Decks & Breezeways (check all that apply)

Open Porch
Screened Porch
Enclosed Porch / 3-Season Room
Wood Deck
Composite Deck
Concrete / Stone Patio
Breezeway
Balcony
None of the above

Approximate Total Porch / Deck Square Footage

Detached Structures & Yard Features (Optional)

Anything separate from the main home — skip if none apply.

Detached Structures (check all that apply)

Shed / Outbuilding
Detached Garage
Barn
Workshop
Pool House
Guest House / Casita
Gazebo / Pergola
None

Pool, Spa & Sports Features

In-Ground Pool
Above-Ground Pool
Hot Tub / Spa
Tennis Court
Basketball / Sport Court
Putting Green
None

Yard, Fencing & Site Features

Wood Fence
Chain-link Fence
Vinyl Fence
Wrought Iron / Metal Fence
Retaining Walls
Stamped / Decorative Concrete
Extensive Landscaping
Sprinkler / Irrigation System
None

Pets & Livestock Features (rare, optional)

Dog Run / Kennel
Chicken Coop
Horse Barn / Stables
Pasture Fencing
None

Photos & Notes (Optional but Very Helpful)

A few photos and notes go a long way in helping us insure your home accurately.

Upload Property Photos

Drag & Drop Files, Choose Files to Upload

Exterior, kitchen, bathrooms, any recent upgrades — as many as you have.

Recent Renovations or Upgrades

E.g. "Remodeled kitchen 2023, new roof 2021, finished basement 2019."

Special Features or Unique Materials

E.g. "Imported Italian tile, exposed wood beams, custom millwork, high-end appliances."

Anything Else We Should Know?

Anything unusual about the home or property?