The estimate includes floor covering (3)
I believe the answer is:
mat
'floor covering' is the definition.
(mat is a kind of floor covering)
'the estimate includes' is the wordplay.
'includes' indicates the answer is hidden within the clue.
'MAT' is hidden in the letters of 'estimate'.
(Other definitions for mat that I've seen before include "Thick flat pad on the floor" , "Tangle" , "To wipe your feet on" , "A piece of material as floor covering" , "Not glossy" .)