It's not just a house, it's your home
A total loss is devastating both financially and emotionally. Proper coverage selection can help to reduce the financial burder of rebuilding your home so you can move on to rebuilding your life.
Insurance to Value
Home insurance policies require you to maintain coverage close to your home's actual value, typically at least 80% insurance-to-value. As housing values rise, your insurance coverage may fall out of sync, leaving you with reduced coverage in the event of a total loss.
Cost to Rebuild
The cost to rebuild your home often differs from home market values or real estate appraisals, due to a number of factors: 1) Costs for many raw materials that are needed to make repairs or rebuild have increased in recent years, 2) building codes may have changed since your home was built, and 3) specialized workers are often needed to prevent further damage to your property in the event of a total loss.
Contents replacement cost coverage - Pays the replacement value on property damaged by a covered loss with no deduction for depreciation, subject to policy limits and your deductible.
Coverage for water backup - Provides coverage up to a specific dollar amount if water backs up through your sewer or drain, or if water overflows from your sump pump.
Personal Article Floaters - Standard home insurance policies limit coverage for certain expensive and portable items like jewelry, cameras, golf equipment, and more. Separate endorsements are available to cover these items to their full value.