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How much dwelling insurance coverage do I need?
I need to purchase homeowners insurance for my new home, but I don't know how much dwelling insurance coverage to get. How much dwelling insurance coverage do I need?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“The amount of dwelling insurance coverage you need is entirely up to you.
The only thing that really matters is that if your house was destroyed, you’d get enough money from the insurance company to completely rebuild or pay off the remainder of your mortgage.
If you have this amount of coverage, you should be fine. You may want to add more coverage if it will make you feel more comfortable, just like adding
comprehensive coverage
to your car insurance can put your mind at ease. Many insurance companies offer additional coverage anywhere from 10% to 50% of your home’s value.
You may also want to consider getting an umbrella policy. Umbrella policies add additional coverage up to $1,000,000 for your assets.
If you want help looking for the best coverage,
Jerry
can provide you with competitive quotes in under a minute. Changing companies is just as effortless. Jerry takes care of all the paperwork, phone calls, and even helps cancels your old policy on your behalf.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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