Get the right amount of coverage to protect your home and belongings.
Your dwelling coverage should equal the cost to rebuild your home completely—not its market value. This is called the "replacement cost" and is typically calculated based on:
Most policies cover personal property at 50-70% of your dwelling coverage. Consider creating a home inventory to ensure you have enough coverage for your belongings.
Take photos or videos of your valuables and store them in the cloud. This makes filing claims much easier.
Standard policies include $100,000 in liability coverage, but experts recommend at least $300,000-$500,000. If you have significant assets, consider an umbrella policy for additional protection.
Standard policies don't cover flood damage. Required in flood zones.
Essential in earthquake-prone areas like California.
Covers damage from backed-up drains and sewers.
Extra coverage for jewelry, art, and collectibles.