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RentariIQInsurance Rebuild-Cost Estimate

Report ID: Qz0a6bTS9UMBn1VO

Prepared: August 03, 2026

Insurance Rebuild-Cost Estimate for Demo Property · West Fargo, ND

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A transparent structure-rebuild budget to sanity-check coverage against.

AI summary — generated from this report's data

The modeled rebuild cost for the property at Demo Property · West Fargo, ND is estimated at $402,040, based on 2,116 sqft at $190/sqft. This estimate provides a range from $321,632 for simpler finishes or lower local costs, up to $482,448 for higher finishes or potential demand surges. This figure is intended to help in establishing an appropriate structure-rebuild budget.

The modeled rebuild cost of $402,040 is significantly higher than the market value signal of $210,600.
The reconstruction cost assumption of $190/sqft is an adjustable input that directly influences the total modeled rebuild cost.
The implied land / non-structure share is $0, which suggests the market value signal may not fully capture the land value or other non-structure components.

highThe market value signal of $210,600 is substantially lower than the modeled rebuild cost of $402,040, which could indicate a discrepancy between the property's market valuation and its reconstruction
mediumThe 'Implied land / non-structure share' is $0, which may not accurately reflect the value of the land or other non-structure components of the property's market value.

Advisory read: Consider reviewing the reconstruction cost assumption of $190/sqft and the market value signal of $210,600 to ensure they align with current local market conditions and property specifics for your insurance coverage decisions.

Modeled rebuild cost

$402,040

2,116 sqft × $190/sqft

Low (−20%)

$321,632

simpler finishes / lower local costs

High (+20%)

$482,448

higher finishes / demand surge

Rebuild-cost model

Living area2,116 sqft

Reconstruction cost assumption$190/sqft (adjustable input)

Modeled rebuild cost$402,040

Modeled range (±20%)$321,632 – $482,448

Rebuild vs market value

Market value signal$210,600

Modeled rebuild cost$402,040

Implied land / non-structure share$0

Insurance covers rebuilding the structure, not the land — which is why the right coverage amount is usually not the purchase price.

How to use this

This is a transparent model — square footage times a disclosed per-square-foot reconstruction cost, with a ±20% band for finish level and local labor/material variation. Re-run it with your own cost_per_sqft input to match quotes you receive. It is not an insurance quote or a replacement-cost appraisal; your insurer's reconstruction estimate governs.

Assumption: reconstruction cost of $190/sqft — an adjustable input, not a measured fact. Pass cost_per_sqft to re-run with your own figure.
Square footage comes from the property record; verify it before buying coverage.

Report generated on August 03, 2026. Figures are retrieved live or from a short-lived cache (up to 30 days for some public-data sources), so a figure may pre-date this report — each context card states its own data vintage. Comparable recency is shown per comp; county assessment figures reflect the assessor's latest published tax year; HUD figures reflect the current published fiscal year.

Rentari IQ rent estimates are informational market references, not pricing instructions. They are generated from your own property data, real comparable market listings, and — where local listing data is limited — AI-estimated market references (clearly labelled as such), never from other landlords' confidential rents, to support your own independent pricing decisions. You set your rents; Rentari does not. Every estimate is an advisory data point, and you remain solely responsible for the rent you charge. Estimates are not appraisals or legal advice and do not account for fair-housing, rent-control, or local pricing laws. Confirm every rent independently and comply with all applicable federal, state, and local requirements.

Disclaimer

This report is for informational purposes only and does not constitute financial, legal, investment, tax, or appraisal advice. Figures are drawn from the public and licensed data sources below and, where noted, AI-generated insights (Google Gemini) — always labelled as such. Please consult qualified professionals before making any decision.

Data sources

Rent comps & listings: RentCast · Property value, tax & assessment: ATTOM Data · Fair Market Rents & income limits: HUD (HUD.gov) · Demographics, income & housing medians: U.S. Census Bureau (American Community Survey) · New-construction supply: U.S. Census Bureau (Building Permits Survey) · Migration & income flows: IRS (Statistics of Income) · Employment, wages & rent inflation: U.S. Bureau of Labor Statistics · Flood zones & natural-hazard risk: FEMA (Flood Hazard Layer, National Risk Index) · Environmental screen & walkability: U.S. EPA (Superfund, AirNow, Walkability Index) · Seismic design values: U.S. Geological Survey · Mortgage market & rates: HMDA / Freddie Mac · Street View & geocoding: Google Maps · AI summaries & AI-estimated comps: Google Gemini (clearly labelled where used) · Your own executed leases: de-identified, from your account only