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Why does my insurance company want to know if I have crown molding?

I was filling out a questionnaire to get a quote on my home insurance. Why do they want to know if my home has crown molding?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“The reason they want to know if your home has crown molding is that replacing crown molding can be expensive, especially if it’s wood or highly detailed.
As most home insurance policies use replacement cost for the dwelling and other structures, the cost of replacing items is a factor in determining your premium.
If something happens to the crown molding, you’ll likely want to replace it, meaning it will cost the insurance company more.
It’s a similar idea to
comprehensive coverage
 on a car. If your car is damaged and you have leather seats, the cost of repair will be higher.
If you need help gathering quotes for a new home insurance policy, use
Jerry
. Jerry finds the cheapest quotes from the top name-brand insurance companies, helps you switch plans, and even cancels your old policy for you.”
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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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