Homeowners & insurers
Insurance Replacement-Cost Home Appraisal in Canada
Insure your home for what it would actually cost to rebuild — not just market value.
Report type
Cost-approach insurance appraisal (typically Marshall & Swift or similar) with detailed component costing.
Typical turnaround
5–10 business days.
Intended users
Homeowners, Insurance brokers & insurers
Cost framing
Standard pricing for typical homes; custom, heritage, and luxury homes cost more.
What you provide
- Building plans if available
- Improvement records
- Insurer requirements
What you receive
- Detailed replacement-cost report
- Component-level costing
- Recommended coverage range
Common pitfalls
What goes wrong — and how to avoid it
Replacement cost vs. market value
These are different numbers. Don't insure based on market value alone — especially for unique homes.
Questions to ask
Before you hire any appraiser
- →Do you use a recognized cost-approach platform?
- →Have you worked with my insurance carrier before?
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FAQ
Insurance appraisal questions
Market value reflects what a buyer will pay, including land. Insurance replacement cost reflects what it costs to physically rebuild the structure.
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