: Usually set at 50% to 70% of your dwelling limit, this covers your belongings. Creating a home inventory can help you decide if this is enough.
: This should cover the full replacement cost of your home (the price to rebuild from scratch), which is often different from its market value.
: Designed for older homes where the replacement cost far exceeds the market value. 3. Gather Necessary Information Tips to help you shop for homeowners insurance