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It’s best to contact a local contractor to see what the average price per square foot to rebuild in your area. Most average homes cost $150-$250/sq ft, but if you live in an area like San Francisco, Beverly Hills, Malibu, Los Gatos…etc., this figure can increase dramatically. We also recommend a minimum of $300,000 in liability coverage and home owners should seriously consider an Umbrella policy for an extra $1,000,000+ of liability coverage.