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Insuring companies use various software to determine the rebuilding cost of a home. One that is very thorough is Xactware and consumers can even access it online at xactware.com Rebuilding costs are about $180-$200 per square foot for standard tract homes, and go up from there depending on the upgrades which can take you up $500 per sq ft. and beyond.

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Q: How do you calculate rebuilding costs for home owners insurance?
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