Larger and more unusual homes can cost far more to rebuild than a standard policy assumes.
What it generally covers
- Higher dwelling limits and replacement cost basis
- Other structures such as guest houses, pools and landscaping, per policy
- Extended replacement or ordinance-or-law coverage, where available
- Higher personal liability
Where gaps often hide
- Rebuild cost estimates that miss custom materials and features
- Wind and flood exposure on coastal homes
- Sub-limits on valuables
Questions worth asking
- Would my policy rebuild this home to current code and with comparable materials?
- How was my dwelling limit calculated?
- What is my hurricane deductible in dollars?
General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.