How Much Insurance Must I Carry On My Home? What Happens If I Dont Carry Enough?

For your own protection, you should carry enough coverage to rebuild your home if ever you suffer a total loss. Most insurers will require at least 80% “to value.” This means that once the replacement cost of your home is established, you must carry at least 80% of that amount in order to avoid insurance­to­value penalties on partial losses. Many companies require 90% ­ 100% coverage.

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