Protect Your Home, Protect Your Future

Your home is more than a building—it’s where life happens. Home insurance keeps it safe.

Why Home Insurance Matters

• Covers damage from fire, theft, storms, and more.

• Protects personal belongings inside the home.

• Liability coverage if someone is injured on your property.

• Required by most mortgage lenders.

How Much Coverage Do I Need?

You need enough home insurance to cover the full replacement cost of your home, plus protection for your personal belongings, liability, and living expenses if you’re displaced. Most homeowners choose dwelling coverage equal to the rebuild cost of their home, which often ranges from $200,000 to $1 million+, depending on property value and location.

How to Decide Your Coverage Amount

1. Dwelling Coverage

   • Should equal the replacement cost of your home, not market value.

   • Example: If rebuilding costs $400,000, set dwelling coverage at $400,000.

2. Personal Property Coverage

   • Typically 50–70% of dwelling coverage.

   • Example: $400,000 dwelling → $200,000 personal property coverage.

   • Consider riders for jewelry, art, or collectibles.

3. Liability Coverage

   • Minimum: $100,000.

   • Recommended: $300,000–$500,000, especially if you own pets, host guests, or have high net worth.

4. Loss of Use (Additional Living Expenses)

   • Covers temporary housing, meals, and transportation.

   • Aim for 6–12 months of living expenses.