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How much coverage do I require from homeowner’s insurance?

Safeguard your resources with the right inclusion
By Michael Evans Refreshed on January 31, 2022
Evaluated by Lea D. Uradu
Reality checked by Rebecca McClay
In This Article

What Does Mortgage holders Protection Cover?
Amounts for Recommended Dwelling Coverage, Amounts for Recommended Personal Property Coverage, Amounts for Recommended Liability Coverage, and Other Considerations for Coverage Homeowners insurance policies are not universally applicable.

Although the quotes you get for home insurance may include standard levels of coverage, you can make them higher to meet your needs.

Consider the value of your personal possessions and the cost of rebuilding your home in the event of a disaster when determining how much home insurance coverage you need.

Other considerations include your budget.
Although the majority of standard homeowners insurance policies provide all of the protection that many homeowners require, you might want to add optional coverages to guard against specific local risks like earthquakes and floods.

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