{"id":252,"date":"2026-05-11T07:21:51","date_gmt":"2026-05-11T07:21:51","guid":{"rendered":"https:\/\/www.way.com\/insurance\/guide\/?p=252"},"modified":"2026-05-11T07:31:12","modified_gmt":"2026-05-11T07:31:12","slug":"how-much-homeowners-insurance-coverage-do-i-need","status":"publish","type":"post","link":"https:\/\/www.way.com\/insurance\/guide\/how-much-homeowners-insurance-coverage-do-i-need\/","title":{"rendered":"How much homeowners insurance coverage do I need?"},"content":{"rendered":"<p><i><span data-contrast=\"auto\">Homeowners insurance protects your home, which may be the most expensive thing you ever buy. But\u00a0it&#8217;s\u00a0important to have enough homeowners&#8217; insurance coverage in a disaster like a fire.<\/span><\/i><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">How do you know how much insurance you need for your home? The key is to go through each standard coverage in a policy, change the amounts as needed, and then think about adding extra coverage to fill big holes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">How much insurance should you buy? Should you also buy\u00a0different types\u00a0of coverage? The insurance editorial team at Way.com is here to help you find answers. We explain the ins and outs of home insurance so you can feel more in control of your policy and make smart financial decisions.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.way.com\/insurance\/guide\/how-much-homeowners-insurance-coverage-do-i-need\/#How_to_determine_your_homeowners_coverage_limit\" >How to\u00a0determine\u00a0your homeowners&#8217; coverage limit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.way.com\/insurance\/guide\/how-much-homeowners-insurance-coverage-do-i-need\/#Homeowners_insurance_coverage_range\" >Homeowners&#8217;\u00a0insurance\u00a0coverage range<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.way.com\/insurance\/guide\/how-much-homeowners-insurance-coverage-do-i-need\/#Cost_of_dwelling_coverage\" >Cost of\u00a0dwelling\u00a0coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.way.com\/insurance\/guide\/how-much-homeowners-insurance-coverage-do-i-need\/#Factors_influencing_how_much_home_insurance_coverage_you_require\" >Factors influencing how much home insurance coverage you\u00a0require\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.way.com\/insurance\/guide\/how-much-homeowners-insurance-coverage-do-i-need\/#Create_a_home_inventory\" >Create a home inventory<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.way.com\/insurance\/guide\/how-much-homeowners-insurance-coverage-do-i-need\/#What_is_not_covered_by_homeowners_insurance\" >What is not covered by homeowners insurance?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"How_to_determine_your_homeowners_coverage_limit\"><\/span>How to\u00a0determine\u00a0your homeowners&#8217; coverage limit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">What is one of the most dangerous things you can do when you buy homeowners insurance? Buying too little.\u00a0You&#8217;re\u00a0not the only one who might wonder, &#8220;How much\u00a0homeowners\u00a0insurance do I need?&#8221;\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If a wildfire burns down your house and you\u00a0have to\u00a0rebuild, it would be terrible to find out you\u00a0don&#8217;t\u00a0have enough\u00a0homeowners\u00a0insurance to pay for it.\u00a0\u00a0Homeowners\u00a0insurance covers many things, but it also\u00a0doesn&#8217;t\u00a0cover some things, like flooding and natural disasters.\u00a0It&#8217;s\u00a0very important\u00a0to have enough coverage for your home.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"Homeowners_insurance_coverage_range\"><\/span>Homeowners&#8217;\u00a0insurance\u00a0coverage range<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">When\u00a0picking\u00a0a home insurance policy, you should get enough coverage to protect\u00a0all of\u00a0your assets in case your house is destroyed in a natural\u00a0disaster\u00a0or a lawsuit is brought against you.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Most insurance policies for homeowners cover four\u00a0main areas:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"auto\">Dwelling coverage:<\/span><\/b><span data-contrast=\"auto\">\u00a0To rebuild your home. Once you know how much coverage you need for your\u00a0home\u00a0structure (the &#8220;dwelling coverage&#8221;), you can use that number to figure out how much coverage you need for other things.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Personal property\u00a0coverage:<\/span><\/b><span data-contrast=\"auto\">\u00a0Replace\u00a0personal property\u00a0damaged by a covered peril.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Liability\u00a0coverage:\u00a0<\/span><\/b><span data-contrast=\"auto\">If\u00a0someone gets\u00a0hurt\u00a0on\u00a0your property\u00a0and sues\u00a0you,\u00a0this\u00a0will pay\u00a0for\u00a0the damages.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Additional\u00a0living expenses (ALE) coverage:<\/span><\/b><span data-contrast=\"auto\">\u00a0Helps pay for costs if you\u00a0have\u00a0to\u00a0move out of your house temporarily.<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">If the limits of your current policy\u00a0aren&#8217;t\u00a0enough to cover these costs, you might want to buy more\u00a0homeowners\u00a0insurance.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Most home insurance companies have a tool to\u00a0determine\u00a0how much it would cost to rebuild your home based on its size, location, interior finishes, and any\u00a0special features.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The amount of coverage for your\u00a0personal property\u00a0is usually between 50 and 70% of the amount of your home. The same goes for your other structures&#8217; coverage and loss of use coverage. Of course, most policies can be changed if you need more coverage, but the automatic levels are a good place to start.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"Cost_of_dwelling_coverage\"><\/span>Cost of\u00a0dwelling\u00a0coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">How much coverage you have for your home\u00a0greatly impacts\u00a0how much you pay for insurance. A home with a limit of $250,000 costs 37% more to insure than one with a limit of $150,000, and a limit of $350,000 costs 75% more.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Most insurance companies for homeowners want you to have coverage for at least 80% of the cost of rebuilding your home.\u00a0It&#8217;s\u00a0called the 80\/20 rule. When you file a claim,\u00a0you&#8217;ll\u00a0get less money if you\u00a0don&#8217;t\u00a0have enough insurance.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Based on factors like building\u00a0materials used, the location of your home and the labor, the dwelling\u00a0costs\u00a0the dwelling coverage costs in 2026 can range anywhere between $1,800 and $4,800 per year.\u00a0If your dwelling coverage limit is $300,000,\u00a0the costs can range to $2,500 per year.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"Factors_influencing_how_much_home_insurance_coverage_you_require\"><\/span>Factors influencing how much home insurance coverage you\u00a0require<span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">When deciding how much home insurance to buy, you may want to\u00a0take into account\u00a0a few different things:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Age of the home:<\/span><\/b><span data-contrast=\"auto\">\u00a0Older homes may need different insurance than newer homes because they have features that\u00a0aren&#8217;t\u00a0common in newer homes.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Size of your home:<\/span><\/b><span data-contrast=\"auto\">\u00a0The size of your home is a major factor in figuring out how much insurance you need. Most of the time, the bigger your home is, the more it will cost to fix or rebuild.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Building codes:\u00a0<\/span><\/b><span data-contrast=\"auto\">These\u00a0codes\u00a0may\u00a0have been\u00a0different when\u00a0older\u00a0homes were built.\u00a0If\u00a0the house is\u00a0damaged,\u00a0it might need\u00a0more work to\u00a0code. This\u00a0can\u00a0make a\u00a0claim\u00a0more\u00a0expensive, so that\u00a0you\u00a0may need\u00a0more\u00a0coverage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Inflation:\u00a0<\/span><\/b><span data-contrast=\"auto\">Many\u00a0policies have\u00a0a\u00a0clause that\u00a0automatically\u00a0raises\u00a0your\u00a0coverage limits\u00a0yearly to keep\u00a0up with\u00a0inflation.\u00a0But if\u00a0inflation\u00a0goes\u00a0up\u00a0quickly,\u00a0your current limits might\u00a0not\u00a0be\u00a0enough to\u00a0cover you,\u00a0and\u00a0you\u00a0might\u00a0need\u00a0to\u00a0change your\u00a0policy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Construction costs:<\/span><\/b><span data-contrast=\"auto\">\u00a0The cost of living in\u00a0different parts\u00a0of the country affects the cost of building materials and labor. If you live in an area where things are expensive, you may need more coverage to protect your money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Financial situation and Risk levels:<\/span><\/b><span data-contrast=\"auto\">\u00a0If\u00a0you have enough money saved to\u00a0pay for\u00a0damages out of pocket or if you\u00a0don&#8217;t\u00a0mind taking more risks,\u00a0you may choose\u00a0less coverage than\u00a0someone in a different financial situation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Unique\u00a0needs:\u00a0<\/span><\/b><span data-contrast=\"auto\">Every\u00a0homeowner has\u00a0different needs, which\u00a0could mean they\u00a0need\u00a0different insurance.\u00a0For example,\u00a0you might\u00a0want\u00a0to\u00a0add\u00a0scheduled\u00a0personal\u00a0property\u00a0coverage\u00a0if you have\u00a0expensive\u00a0jewelry. Most home insurance\u00a0policies have\u00a0several add-ons\u00a0you can\u00a0choose\u00a0from\u00a0to\u00a0make\u00a0your\u00a0coverage\u00a0fit\u00a0your needs.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"Create_a_home_inventory\"><\/span>Create a home inventory<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">A home inventory can be helpful if you need to file a claim for damage to your\u00a0personal property. Among these are:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-contrast=\"auto\">Names of things and what they are<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Cost to buy or real cash value<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">If you have them, the date, place, and receipts<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Each item&#8217;s picture<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Estimated cost to replace<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">A digital home inventory can also make it easier to file a claim. Everything you think is valuable, such as electronics, cash, jewelry, and furniture, should be on the list. You could store your inventory in the cloud, your office, or at a family member&#8217;s house.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"What_is_not_covered_by_homeowners_insurance\"><\/span>What is not covered by homeowners insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">As a homeowner, many things\u00a0could go wrong with your house. Home insurance can protect your money in several ways, but a standard policy\u00a0won&#8217;t\u00a0cover everything.\u00a0So\u00a0what is not protected by most\u00a0homeowners\u00a0insurance? There are several common things that home insurance\u00a0doesn&#8217;t\u00a0cover.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">For damages that\u00a0aren&#8217;t\u00a0covered\u00a0by\u00a0a standard policy, you might want\u00a0to buy extra homeowners\u00a0insurance\u00a0coverage, such as:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"auto\">Flood\u00a0damage:\u00a0<\/span><\/b><span data-contrast=\"auto\">Standard homeowners&#8217; insurance policies do not cover flood damage. So most of the time, you&#8217;ll need to buy a separate flood insurance policy to cover this. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Earthquake insurance:<\/span><\/b><span data-contrast=\"auto\">\u00a0Even\u00a0in places with\u00a0a high risk\u00a0of earthquakes, most homeowners&#8217; insurance policies do not cover damage caused by earthquakes. But many home insurance companies\u00a0have separate policies or\u00a0add-ons for\u00a0earthquake damage.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Coverage for sinkholes:\u00a0<\/span><\/b><span data-contrast=\"auto\">Sinkholes\u00a0are common\u00a0in\u00a0many parts of the\u00a0U.S.,\u00a0but a standard\u00a0homeowners\u00a0policy\u00a0doesn&#8217;t\u00a0cover them. Sinkholes can\u00a0damage homes, so\u00a0if you\u00a0live\u00a0in an area where\u00a0they happen often, you\u00a0should get sinkhole coverage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Mine subsidence insurance:<\/span><\/b><span data-contrast=\"auto\">\u00a0When old mines fall apart, they can cause damage similar to sinkholes in some parts of the country.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Umbrella insurance:<\/span><\/b><span data-contrast=\"auto\">\u00a0Umbrella\u00a0policies can help pay liability claims after your liability insurance has reached its limit.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Damage from not taking care of the property:<\/span><\/b><span data-contrast=\"auto\">\u00a0Normal wear and tear and damage that could have\u00a0been avoided\u00a0are not covered by a homeowners insurance policy. Keeping your house in\u00a0good shape\u00a0can help keep this kind\u00a0of damage to a minimum.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Sewer\u00a0backup:\u00a0<\/span><\/b><span data-contrast=\"auto\">Most\u00a0home\u00a0insurance policies\u00a0don&#8217;t\u00a0include\u00a0coverage\u00a0for\u00a0sewer backup,\u00a0but you\u00a0can\u00a0usually\u00a0buy\u00a0it as an\u00a0add-on. Keeping\u00a0an eye\u00a0on\u00a0your pipes\u00a0to\u00a0ensure they\u00a0don&#8217;t\u00a0back\u00a0up\u00a0can also\u00a0help\u00a0keep your house safe.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Priceless jewelry and antiques:<\/span><\/b><span data-contrast=\"auto\">\u00a0Coverage\u00a0for\u00a0valuables like\u00a0jewelry and art can\u00a0be added\u00a0to a home insurance policy as an endorsement or floater, but\u00a0homeowners\u00a0often think of\u00a0items like family heirlooms as priceless. As a safety measure, you should keep these things where they\u00a0won&#8217;t\u00a0get stolen or broken.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Aggressive dog breeds:\u00a0<\/span><\/b><span data-contrast=\"auto\">Liability\u00a0coverage\u00a0for\u00a0injuries caused by\u00a0certain dog breeds,\u00a0like\u00a0pit\u00a0bulls, German Shepherds, and Rottweilers,\u00a0is\u00a0often not included in\u00a0home insurance\u00a0policies.\u00a0Tell\u00a0your insurance\u00a0company if\u00a0you\u00a0have a dog.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Homeowners insurance protects your home, which may be the most expensive thing you ever buy. But\u00a0it&#8217;s\u00a0important to have enough homeowners&#8217; insurance coverage in a disaster like a fire.\u00a0 How do you know how much insurance you need for your home? The key is to go through each standard coverage in a policy, change the amounts&hellip; <a class=\"more-link\" href=\"https:\/\/www.way.com\/insurance\/guide\/how-much-homeowners-insurance-coverage-do-i-need\/\">Continue reading <span class=\"screen-reader-text\">How much homeowners insurance coverage do I need?<\/span><\/a><\/p>\n","protected":false},"author":5,"featured_media":254,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-252","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-insurance","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How much homeowners insurance coverage do I need? - insurance guides<\/title>\n<meta name=\"description\" content=\"Find out how to determine the right amount of homeowners insurance coverage and what factors affect your policy limits.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.way.com\/insurance\/guide\/how-much-homeowners-insurance-coverage-do-i-need\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How much homeowners insurance coverage do I need? 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