Typical insurance brokers are not expert appraisers, however they will ask you a series of questions about your home. Is it custom built? Standard track housing? When was it built? (If it was built in 1909 it will likely have oak or maple flooring, this will impact on the cost to replace your home.) How many bathrooms? Swimming pool? Etc. These answers will most often be entered into a computer using ‘Compuquote’ or ‘Boeckh Appraisal’ software. These programs are simple evaluators to estimate the cost to rebuild your home sometime in the near future. Some insurance companies offer Guaranteed Replacement cost when using evaluation programs, provided your home meets the qualifications. Ask your broker if you have Guaranteed Replacement cost insurance.