How much Homeowners Insurance do I need?

There are two ways to determine how much 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.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.

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