If a disaster strikes, you will want enough homeowners insurance to rebuild the structure of your home, replace your belongings, pay for living expenses and protect your financial assets.
For a quick estimate of the amount of insurance you need, multiply the total square footage of your home by local, per-square-foot building costs. It is recommended that you utilize a local insurance expert and they have tools that can provide the most accurate replacement cost estimate on your home. They will make sure the following is covered: Structure of the home for it’s replacement value, your personal belongings and your liability if someone is hurt at your house.