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House Styles

As the saying goes… To each, his own. What style is your home?

1 Story, Ranch, Rambler

Home Replacement Cost

A home with one story of living area. The roof structure typically has a medium slope. The attic space is limited and is not intended for living area.


1.5 Story, Cape Cod

Home Replacement Cost

A residence with two levels of living area, characterized by a steep roof slope and dormers (which project from the roof and have windows on their fronts). Because of the roof design, the area of the second floor is usually 40% to 70% of the ground floor area.


2 Story, Colonial

Home Replacement Cost

A residence with finished living area on two floors. The area of each floor is approximately the same. The roof structure has a medium slope. The attic space is limited and is not intended for living area.


2.5 Story

Home Replacement Cost

A residence with three levels of living area, characterized by a steep roof slope and dormers (which project from the roof and have windows on their fronts). Because of the roof design, the area of the third floor is usually 40% to 70% of the ground floor area.


3 Story

Home Replacement Cost

A residence with finished living area on three floors. The area of each floor is approximately the same. The roof structure has a medium slope. The attic space is limited and is not intended for living area.


Back Split

Home Replacement Cost
A residence that is divided front to back, with three levels of finished living area: lower level, intermediate level and upper level. The lower level is immediately below the upper level as in a two-story residence. The intermediate level, adjacent to the other levels, is built on a grade approximately one-half story higher than the lower level. Back Split homes have a split roof design. Use the Split Level style for homes that are divided side to side.


Bi-Level, Raised Ranch, Split Foyer

Home Replacement Cost

A residence with two levels of living area, with the lower level being completely finished and normally partially below grade (with no basement below it). The entrance is a split-foyer entrance.


Bi-Level/Row Center

Home Replacement Cost

An attached single-family residence with two levels of living area, with the lower level being fully finished and normally partially below grade (with no basement below it). The entrance is a split-foyer entrance. Each bi-level rowhouse unit is one of a group of two or more units joined by common walls. Such units never have units above or below, always have individual exterior walls and never have more than two walls common with adjacent units. A Center Unit is inside a row, with other units on either side. This style is especially common throughout Canada.


Bi-Level/Row End

Home Replacement Cost

An attached single-family residence with two levels of living area, with the lower level being fully finished and normally partially below grade (with no basement below it). The entrance is a split-foyer entrance. Each bi-level rowhouse unit is one of a group of two or more units joined by common walls. Such units never have units above or below, always have individual exterior walls and never have more than two walls common with adjacent units. An End Unit is at the end of a row, with only one other unit adjacent to it. This style is especially common throughout Canada.


Bungalow

Home Replacement Cost

A small, one-story house popular in the early 20th century, typically with a front porch (either open or enclosed). The most common Bungalows, including California Bungalows, have wood siding or wood shingle exterior walls and wood shingle roofs. Large roof overhangs are common and walls flow front to back.


Condo/Co-Op

This style is used to calculate the costs typically covered by a condo or co-op policy. The costs include the inside features like partition material (for example, drywall, plaster, etc.), wall, floor and ceiling coverings, kitchen, and baths. It does not and should not include the foundation, exterior walls, roof, framing, or detached structures.

NOTE: If you choose this style, do not enter any information on the exterior wall, roofing, or foundation pages. The only exception to this would be if you have a finished basement. This you would need to enter on the foundation page.


Contemporary

Home Replacement Cost

A residence designed from combinations of square and rectangular geometric patterns, blending both interiors and exteriors. Contemporary residences typically contain multiple roof lines, where roofs are flat or flat with a slight pitch (shed roof). Exteriors are often plain with little or no ornate trim, typically with extensive use of glass. The designs of these residences are more modern and less traditional. They typically have wide open interiors with fewer partitions than other traditional home styles.


Cottage

Home Replacement Cost

A small, one story cabin-like home, typically used as a seasonal home or a second dwelling on a property. Cottages generally have a minimal or no foundation, instead resting on posts at the corners of the home.


Federal Colonial

Home Replacement Cost

This is typically a 2-story home that is generally found in the Eastern part of the United States. It is characterized by its flat roof and ornate wood trim along the exterior roof line. It is generally square in design and is typically an early 20th century or older structure. Exterior walls are normally painted wood.


Mediterranean

Home Replacement Cost

A home in the Mediterranean style, including stucco exterior walls, typically pastel or white in color, red tile roof, arched openings and considerable use of wrought iron. Often found with arched windows and balconies.


Ornate Victorian

Home Replacement Cost

A residence with 2-1/2 or 3 stories of living area, typical of the architectural style in the late 19th century. Ornate Victorians typically have extensive use of elaborate exterior and interior finishes and trims, including 36″ of gingerbread on at least three lines of the house. They also include bay windows, turrets, tall chimneys and extensive porches. Use the Victorian style for less extensive use of finishes and trim, including typically 18″ gingerbread.


Queen Anne

Home Replacement Cost

A traditional 2-1/2-story home, usually of pre-1940 construction. Generous use of wood trim, and interior and exterior finishes, with high partition density inside.


Southwest Adobe

Home Replacement Cost

A home made of adobe brick, found mainly in the southwest region of the United States. Decidedly Western in presentation with various wood beams for both support and ornamentation. Roofs are typically flat and made of brick and are usually coated with Stucco.


Split Level, Tri-Level

Home Replacement Cost

A residence that is divided side to side, with three levels of finished living area: lower level, intermediate level and upper level. The lower level is immediately below the upper level as in a two-story residence. The intermediate level, adjacent to the other levels, is built on a grade approximately one-half story higher than the lower level. Split-level residences have a split roof design. Use the Back Split style for homes that are divided front to back.


Substandard/Subsidized

Home Replacement Cost

Subsidized or substandard housing that resembles barracks or other low-grade habitational structures found more often as part of a government facility or government subsidized facility. These homes have limited trim, if any, and minimal partitions. They typically comply with Federal government codes but not necessarily standard building codes.


Town House, Row House

Home Replacement Cost

An attached single-family residence. Each town house or row house unit is one of a group of two or more units adjoined by common walls. Such units never have units above or below, always have individual exterior walls, and never have more than two walls common with adjacent units.

A Center Unit is inside a row, with other units on either side.
An End Unit is at the end of a row, with only one other unit adjacent to it.


Tri-Level/Row Center

Home Replacement Cost

An attached single-family residence with three levels of finished living area: lower level, intermediate level and upper level. The lower level is immediately below the upper level as in a two-story residence. The intermediate level, adjacent to the other levels, is built on a grade approximately one-half story higher than the lower level. Each tri-level rowhouse unit is one of a group of two or more units joined by common walls. Such units never have units above or below, always have individual exterior walls, and never have more than two walls common with adjacent units. A Center Unit is inside a row, with other units on either side. This style is especially common throughout Canada.


Tri-Level/Row End

Home Replacement Cost

An attached single-family residence with three levels of finished living area: lower level, intermediate level and upper level. The lower level is immediately below the upper level as in a two-story residence. The intermediate level, adjacent to the other levels, is built on a grade approximately one-half story higher than the lower level. Each tri-level rowhouse unit is one of a group of two or more units joined by common walls. Such units never have units above or below, always have individual exterior walls, and never have more than two walls common with adjacent units. An End Unit is at the end of a row, with only one other unit adjacent to it. This style is especially common throughout Canada.


Victorian

Home Replacement Cost

A residence with 2-1/2 or 3 stories of living area, typical of the architectural style in the late 19th century. Victorians typically have elaborate exterior and interior finishes and trims, including 18″ of gingerbread on at least three lines of the house. They also include bay windows, turrets, tall chimneys and extensive porches. For Victorians with extensive use of finishes and trims, use the Ornate Victorian Style, which typically has 36″ gingerbread.

Request a Homeowners Insurance Quote online or call (847) 487-5700 to get your home replacement cost estimate from a licensed agent.