Ideally, you want to insure your home for 100% of its replacement value. This is not the same as the market value of the house and should not include the value of the land. It's simply the amount it would cost to rebuild your house today.
If you’re not sure what the replacement value of your home is, you can ask a local real estate agent or home builder to give you an estimate.
Replace Your Contents Most homeowner’s policies set coverage for the contents of your home at 50% of the amount of insurance you have on the house itself. Contents include clothing, furniture, appliances, kitchen utensils, jewelry, electronic equipment, tools, sports equipment, linens, etc.
You should take an inventory of your personal possessions so you know if 50% of your home coverage is enough. In addition, if you own jewelry, silverware, computers, collections, antiques, paintings, and other expensive items, you may need to purchase additional coverage for them as their may be a limit on their coverage.
Pay to live elsewhere If your home is damaged, you may need to live someplace else while it's being repaired. This part of your homeowners insurance covers hotel bills, restaurant bills, rental fees, and other living expenses related to living out of your home.
Protect Yourself This part of your policy covers you in case someone is hurt in your house or on your property, or if something in or around your house causes property damage to another house. It also covers your legal expenses if you're hauled into court for any of these things.
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Buying insurance can be confusing, and you may not know how much homeowners insurance you really need. In general, you should have enough insurance to ...
