Coverage Types
Dwelling (Coverage A): Structure of home
Personal property (Coverage C): Belongings
Liability (Coverage E): Lawsuits/injuries
Additional living expenses (Coverage D): If displaced
How much dwelling coverage:
- Rebuild cost, not market value
- Get professional estimate
Save on Insurance
- Bundle with auto (5-15% off)
- Raise deductible ($1,000-$2,500)
- Security system discount
- Claims-free discount
- New home discount
- Shop around every 2-3 years