Enough to rebuild at current local costs, which tend to run high given tight lots and coastal construction, so we go through a replacement cost estimator with you to reach a reasonable reconstruction figure and add extended replacement cost where carriers offer it rather than relying on a market value that misstates the rebuild.
Related FAQs
Usually yes, since a standard home policy caps certain valuables, so we schedule fine art, jewelry, and collections to insure them for their full agreed value. ...
It can. Salt air and onshore wind accelerate corrosion on roofing, fixtures, and exterior metal, and that shows up in maintenance-related claim disputes as much as in premium. We ...
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