Insure the rebuild, not the market value.
Flood and earthquake are not in a standard homeowners policy, and rebuilding costs more than the house would sell for. One call to a licensed agent and you’ll know which gaps you have.
Agent line coming soon
Everything below is worth reading in the meantime.
- Whether your dwelling limit would actually rebuild your house at today's costs
- What a standard policy excludes, and what needs covering separately
- Multi-policy discounts when home and auto sit with one carrier
Worth a call if
- You have not reviewed your cover since building costs rose
- You have renovated, extended, or added a pool
- Your premium jumped at renewal
- You are buying and need cover in place before closing
What happens when you call
- You reach a licensed agent. Not us — the number connects you to a marketing partner and then to an agent licensed in your state.
- They ask about your situation. Age, state, what you are trying to cover. Expect a few minutes.
- You get options, not pressure. Nothing is binding until you apply and an insurer accepts you.
Questions people ask
Is flood damage covered?
Not by a standard homeowners policy. Flood is a separate policy, usually through the NFIP or a private carrier. The same is true of earthquake in most states.
How much dwelling cover do I need?
Enough to rebuild, which is not the same as what the house would sell for. An agent can estimate rebuild cost for your area.
Does a claim raise my premium?
It can, and so can claims in your area generally. Worth discussing before filing a small one.
Talk it through with someone licensed
You will not be asked for anything on this website. The call is free, nothing is binding, and you decide what happens next.
Agent line coming soon
Everything below is worth reading in the meantime.
Calls may be recorded or monitored by the party you reach. GetMeInsure is not an insurer and does not sell insurance. See our terms.