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, because proximity to the ocean raises wind and moisture exposure, so we confirm the policy addresses those perils and set limits with the coastal setting in mind. ...
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