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There are two ways to determine how much homeowners insurance you need:
1. You can take an inventory of your possessions:
- List each item, when you acquired it and the purchase price or current value.
- Total the amounts of these items for a rough idea of what your property is worth.
- Once this is done, put your inventory in a safe place away from home -- for example, in a bank safe deposit box.
Consider adding photos to your inventory -- they can help if you have a claim.
For help with an in-depth home inventory, click here.
2. Ask your agent to help you estimate the total value of your belongings:
- A system is available to help you determine the approximate cost of replacing your possessions based on the size or number of rooms in your dwelling.
Please note: Coverage for certain types of property has a dollar limit.
Ready to get started?
