How much home insurance do you need?
The number that matters most is dwelling coverage — enough to rebuild your home at today's construction costs, which is different from its market or purchase price.
The coverages to check
- Dwelling: full rebuild cost.
- Personal property: usually 50–70% of dwelling.
- Liability: $300k–$500k is common.
- Loss of use: living expenses if you're displaced.
Insuregear tip: Choose replacement cost over actual cash value so you're paid to rebuild, not depreciated.
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