How much homeowner's insurance do I need?
Your dwelling coverage should equal the full replacement cost of your home, not its market value. Personal property coverage should be enough to replace all your belongings. Consider an umbrella liability policy if your assets exceed your standard liability limits. Your insurance agent can help you calculate the right amounts.
Why It Matters
Being underinsured can leave you paying out of pocket for major losses. Being overinsured wastes money on premiums you do not need.
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