It depends on your mortgage, income, and long-term responsibilities, so rather than a rule of thumb we size a policy to what your household would actually need to stay in place if you were gone.
Related FAQs
Usually not adequately, because a homeowners policy is not built for business property or business liability, so we add a small business policy or a business owners policy (BOP) ...
No, standard California home policies exclude earthquake here as they do statewide, so we review a separate earthquake policy and explain what it protects, which matters because Winnetka sits ...
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