How do I know how much homeowner's insurance I need?

You should talk to a qualified insurance agent in order to determine the amount of homeowner’s insurance you will need, which may depend on a variety of factors. Remember, you need to have enough coverage to rebuild your home in the event of loss, based on the current price to rebuild, including labor, materials, and the costs of complying with local laws.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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