Learn the right coverage amounts for your dwelling, belongings, and liability. Get personalized recommendations for your situation.
Get Your Coverage RecommendationDwelling coverage: Should equal the cost to completely rebuild your home (not the market value).
Personal property: Typically 50-70% of your dwelling coverage amount.
Liability: At least $300,000, or enough to cover your net worth.
Important: Home value and rebuild cost are different. Rebuild cost is often lower than market value.
Each part of your policy serves a specific purpose
Covers the physical structure of your home including attached structures.
Covers your belongings like furniture, clothing, and electronics.
Protects if someone is injured on your property and sues you.
Pays for temporary housing if your home is uninhabitable.
Covers detached structures like garages, sheds, and fences.
Covers minor injuries to guests regardless of fault.
See typical coverage amounts based on different home values
| Home Value | Dwelling | Personal Property | Liability | Est. Premium |
|---|---|---|---|---|
| $200,000 | $200,000 | $100,000 | $300,000 | $800-1,200/year |
| $350,000 | $350,000 | $175,000 | $300,000 | $1,200-1,800/year |
| $500,000 | $500,000 | $250,000 | $500,000 | $1,800-2,500/year |
| $750,000 | $750,000 | $375,000 | $500,000 | $2,500-3,500/year |
Standard policies don't cover everything. Consider these add-ons:
Standard policies don't cover flood damage. Required in flood zones.
Separate coverage for earthquake damage in high-risk areas.
Extra liability coverage beyond your home and auto policies.
Additional coverage for high-value items like jewelry and art.
Speak with a licensed agent who can help you determine the exact coverage amounts you need.
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