{"id":45485,"date":"2022-08-22T06:27:43","date_gmt":"2022-08-22T06:27:43","guid":{"rendered":"https:\/\/dev.way.com\/blog\/?p=45485"},"modified":"2025-02-10T11:19:56","modified_gmt":"2025-02-10T11:19:56","slug":"how-much-homeowners-insurance-coverage-do-i-need","status":"publish","type":"post","link":"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/","title":{"rendered":"How much Homeowners Insurance Coverage Do I Need?"},"content":{"rendered":"<p style=\"text-align: center;\"><em>Homeowners insurance protects your home, which may be the most expensive thing you ever buy. But, it&#8217;s important to have enough homeowners&#8217; insurance coverage in a disaster like a fire.<\/em><\/p>\n<p><span data-preserver-spaces=\"true\">How do you know how much insurance you need for your home? The key is to go through each standard coverage in a policy, change the amounts as needed, and then think about adding extra coverage to fill big holes.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">How much insurance should you buy? Should you also buy different types of coverage? The insurance editorial team at Way.com is here to help you find answers. We explain the ins and outs of home insurance so you can feel more in control of your policy and make smart financial decisions.<\/span><\/p>\n<p><a href=\"https:\/\/www.way.com\/homeowners-insurance\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-45496 size-full\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/08\/Home-insurance-savings.png\" alt=\"Homeowners Insurance Coverage\" width=\"794\" height=\"294\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Home-insurance-savings.png 794w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Home-insurance-savings-300x111.png 300w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Home-insurance-savings-768x284.png 768w\" sizes=\"auto, (max-width: 794px) 100vw, 794px\" \/><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #e71346;color:#e71346\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #e71346;color:#e71346\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/#Determine_your_homeowners_coverage_limit\" >Determine your homeowners&#8217; coverage limit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/#Homeowners_Insurance_Coverage_range\" >Homeowners&#8217; Insurance Coverage range<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/#Cost_of_Dwelling_Coverage\" >Cost of Dwelling Coverage<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/#Factors_influencing_how_much_home_insurance_coverage_you_require\" >Factors influencing how much home insurance coverage you require<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/#Create_a_home_inventory\" >Create a home inventory<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/#What_is_not_covered_by_homeowners_insurance\" >What is not covered by homeowners insurance?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Determine_your_homeowners_coverage_limit\"><\/span><span data-preserver-spaces=\"true\">Determine your homeowners&#8217; coverage limit<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">What is one of the most dangerous things you can do when you buy homeowners insurance? Buying too little. You&#8217;re not the only one who might wonder, &#8220;How much homeowners insurance do I need?&#8221;\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">If a wildfire burns down your house and you have to rebuild, it would be terrible to find out you don&#8217;t have enough homeowners insurance to pay for it.\u00a0 Homeowners insurance covers many things, but it also doesn&#8217;t cover some things, like flooding and natural disasters. <\/span><span data-preserver-spaces=\"true\">It&#8217;s very important to have enough coverage for your home. And if you want to know, &#8220;How much homeowners insurance do I need?&#8221; you&#8217;re on the right track.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Unfortunately, figuring out how much coverage your home insurance policy needs can be difficult. Don&#8217;t worry. It&#8217;s easier to figure out how much home insurance coverage you need. Remember, though, that each homeowner&#8217;s unique situation will affect the types and levels of coverage they need.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-45489 size-large\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_2957340_XL-min-1024x681.jpg\" alt=\"What is one of the most dangerous things you can do when you buy homeowners insurance? Buying too little. You're not the only one who might wonder, &quot;How much homeowners insurance do I need?&quot;\u00a0\" width=\"640\" height=\"426\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_2957340_XL-min-1024x681.jpg 1024w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_2957340_XL-min-300x200.jpg 300w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_2957340_XL-min-768x511.jpg 768w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_2957340_XL-min-1536x1021.jpg 1536w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_2957340_XL-min-2048x1362.jpg 2048w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_2957340_XL-min-600x400.jpg 600w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Homeowners_Insurance_Coverage_range\"><\/span><span data-preserver-spaces=\"true\">Homeowners&#8217; Insurance Coverage range<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">When picking a home insurance policy, you should get enough coverage to protect all of your assets in case your house is destroyed in a natural disaster, or a lawsuit is brought against you.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Most insurance policies for homeowners cover four main areas:<\/span><\/p>\n<ul>\n<li><strong><span data-preserver-spaces=\"true\">Dwelling coverage:<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0To rebuild your home. Once you know how much coverage you need for your home&#8217;s structure (the &#8220;dwelling coverage&#8221;), you can use that number to figure out how much coverage you need for other things.\u00a0<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Personal property coverage:<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0Replace personal property damaged by a covered peril.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Liability coverage:<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0If someone gets hurt on your property and sues you, this will pay for the damages.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Additional living expenses (ALE) coverage:<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0Helps pay for costs if you have to temporarily move out of your house.<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">If the limits of your current policy aren&#8217;t enough to cover these costs, you might want to buy more homeowners insurance.<\/span><\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">Most home insurance companies have a tool to determine how much it would cost to rebuild your home based on its size, location, interior finishes, and any special features.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">The amount of coverage for your personal property is usually between 50 and 70% of the amount of your home. The same goes for your other structures&#8217; coverage and loss of use coverage. Of course, most policies can be changed if you need more coverage, but the automatic levels are a good place to start.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cost_of_Dwelling_Coverage\"><\/span>Cost of Dwelling Coverage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">How much coverage you have for your home greatly impacts how much you pay for insurance. A home with a limit of $250,000 costs 37% more to insure than one with a limit of $150,000, and a limit of $350,000 costs 75% more.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Most insurance companies for homeowners want you to have coverage for at least 80% of the cost of rebuilding your home. It&#8217;s called the 80\/20 rule. When you file a claim, you&#8217;ll get less money if you don&#8217;t have enough insurance.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-45490 size-large\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_28018981_XL-min-1024x683.jpg\" alt=\"Most insurance companies for homeowners want you to have coverage for at least 80% of the cost of rebuilding your home. It's called the 80\/20 rule. When you file a claim, you'll get less money if you don't have enough insurance.\" width=\"640\" height=\"427\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_28018981_XL-min-1024x683.jpg 1024w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_28018981_XL-min-300x200.jpg 300w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_28018981_XL-min-768x512.jpg 768w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_28018981_XL-min-1536x1024.jpg 1536w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_28018981_XL-min-2048x1365.jpg 2048w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_28018981_XL-min-600x400.jpg 600w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Factors_influencing_how_much_home_insurance_coverage_you_require\"><\/span><span data-preserver-spaces=\"true\">Factors influencing how much home insurance coverage you require<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">When deciding how much home insurance to buy, you may want to take into account a few different things:<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">Age of the home:<\/span><\/strong><span data-preserver-spaces=\"true\"> Older homes may need different insurance than newer homes because they have features that aren&#8217;t common in newer homes.\u00a0<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">Size of your home:<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0The size of your home is a major factor in figuring out how much insurance you need. Most of the time, the bigger your home is, the more it will cost to fix or rebuild.<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">Building codes:<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0These codes may have been different when older homes were built. If the house is damaged, it might need more work to code. This can make a claim more expensive so you may need more coverage.<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">Inflation:<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0Many policies have a clause that automatically raises your coverage limits yearly to keep up with inflation. But if inflation goes up quickly, your current limits might not be enough to cover you, and you might need to change your policy.<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">Construction costs:<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0The cost of living in different parts of the country affects the cost of building materials and labor. If you live in an area where things are expensive, you may need more coverage to protect your money.<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">Financial situation and Risk levels:<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0If you have enough money saved to pay for damages out of pocket or if you don&#8217;t mind taking more risks, you may choose less coverage than someone in a different financial situation.<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">Unique needs:<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0Every homeowner has different needs, which could mean they need different insurance. For example, you might want to add scheduled personal property coverage if you have expensive jewelry. Most home insurance policies have several add-ons you can choose from to make your coverage fit your needs.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-45491 size-large\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_135855718_XL-min-1024x851.jpg\" alt=\"A home inventory can be helpful if you need to file a claim for damage to your personal property.\" width=\"640\" height=\"532\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_135855718_XL-min-1024x851.jpg 1024w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_135855718_XL-min-300x249.jpg 300w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_135855718_XL-min-768x639.jpg 768w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_135855718_XL-min-1536x1277.jpg 1536w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/08\/Depositphotos_135855718_XL-min-2048x1703.jpg 2048w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Create_a_home_inventory\"><\/span><span data-preserver-spaces=\"true\">Create a home inventory<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">A home inventory can be helpful if you need to file a claim for damage to your personal property. Among these are:<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Names of things and what they are<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Cost to buy or real cash value<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">If you have them, the date, place, and receipts<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Each item&#8217;s picture<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Estimated cost to replace<\/span><\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">A digital home inventory can also make it easier to file a claim. Everything you think is valuable, such as electronics, cash, jewelry, and furniture, should be on the list. You could store your inventory in the cloud, your office, or at a family member&#8217;s house. You can also ask your home insurance company for suggestions on apps to help you make an inventory.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">It takes time and careful thought to figure out how much your things are worth and how much it would cost to replace them. Modern sofas and coffee tables are easy to replace, but fine art and family heirlooms are often things that can never be replaced.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_not_covered_by_homeowners_insurance\"><\/span><span data-preserver-spaces=\"true\">What is not covered by homeowners insurance?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">As a homeowner, many things could go wrong with your house. Home insurance can protect your money in several ways, but a standard policy won&#8217;t cover everything. So what is not protected by most homeowners insurance? There are several common things that home insurance doesn&#8217;t cover.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">For damages that aren&#8217;t covered by a standard policy, you might want to buy extra homeowners insurance coverage, such as:<\/span><\/p>\n<ul>\n<li><strong><span data-preserver-spaces=\"true\">Flood Damage:\u00a0<\/span><\/strong><span data-preserver-spaces=\"true\">Standard homeowners&#8217; insurance policies do not cover flood damage. So most of the time, you&#8217;ll need to buy a separate flood insurance policy to cover this.\u00a0<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Earthquake insurance:<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0Even in places with a high risk of earthquakes, most homeowners&#8217; insurance policies do not cover damage caused by earthquakes. But many home insurance companies have separate policies or add-ons for earthquake damage.\u00a0<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Coverage for sinkholes:<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0Sinkholes are common in many parts of the U.S., but a standard homeowners policy doesn&#8217;t cover them. Sinkholes can damage homes, so if you live in an area where they happen often, you should get sinkhole coverage.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Mine subsidence insurance:<\/span><\/strong><span data-preserver-spaces=\"true\"> When old mines fall apart, they can cause damage similar to sinkholes in some parts of the country.\u00a0<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Umbrella insurance:<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0Umbrella policies can help pay liability claims after your liability insurance has reached its limit.\u00a0<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Damage from not taking care of the property:<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0Normal wear and tear and damage that could have been avoided are not covered by a homeowners insurance policy. Keeping your house in good shape can help keep this kind of damage to a minimum.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Sewer backup:<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0Most home insurance policies don&#8217;t include coverage for sewer backup, but you can usually buy it as an add-on. Keeping an eye on your pipes to ensure they don&#8217;t back up can also help keep your house safe.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Priceless jewelry and antiques:<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0Coverage for valuables like jewelry and art can be added to a home insurance policy as an endorsement or floater, but homeowners often think of items like family heirlooms as priceless. As a safety measure, you should keep these things where they won&#8217;t get stolen or broken.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Aggressive dog breeds:<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0Liability coverage for injuries caused by certain dog breeds, like pit bulls, German Shepherds, and Rottweilers, are often not included in home insurance policies. Tell your insurance company if you have a dog.<\/span><\/li>\n<\/ul>\n<p><em><span data-preserver-spaces=\"true\">Here&#8217;s more info on\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/airport-parking\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">top-rated airport parking<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">,\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/cities\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">the best parking spots in your city<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">, affordable\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/auto-insurance\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">auto insurance<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">, easy\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/auto-refinance\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">auto refinance<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">, and\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/car-wash-near-me\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">high-quality car washes near you<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">.\u00a0<\/span><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Homeowners insurance protects your home, which may be the most expensive thing you ever buy. But, it&#8217;s important to have enough homeowners&#8217; insurance coverage in a disaster like a fire. How do you know how much insurance you need for your home? The key is to go through each standard coverage in a policy, change&hellip; <a class=\"more-link\" href=\"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/\">Continue reading <span class=\"screen-reader-text\">How much Homeowners Insurance Coverage Do I Need?<\/span><\/a><\/p>\n","protected":false},"author":46,"featured_media":46510,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[344,1748,1854],"tags":[6444],"class_list":["post-45485","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-things-to-know","category-homeowners-insurance","category-insurance","tag-alabama","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.3 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Homeowners&#039; Insurance Coverage limits: How much is enough?<\/title>\n<meta name=\"description\" content=\"Homeowners insurance protects your home. It&#039;s important to have enough homeowners&#039; insurance coverage. Read on to know more!\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How much Homeowners Insurance Coverage Do I Need?\" \/>\n<meta property=\"og:description\" content=\"Homeowners insurance protects your home. It&#039;s important to have enough homeowners&#039; insurance coverage. Read on to know more!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/\" \/>\n<meta property=\"og:site_name\" content=\"Way Blog\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-22T06:27:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-10T11:19:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/09\/WhistlinDiesel-monstermax.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mahesh SL\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mahesh SL\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-much-homeowners-insurance-coverage-do-i-need\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-much-homeowners-insurance-coverage-do-i-need\\\/\"},\"author\":{\"name\":\"Mahesh SL\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#\\\/schema\\\/person\\\/c916386c61281bccf925ffea1c3d35d9\"},\"headline\":\"How much Homeowners Insurance Coverage Do I Need?\",\"datePublished\":\"2022-08-22T06:27:43+00:00\",\"dateModified\":\"2025-02-10T11:19:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-much-homeowners-insurance-coverage-do-i-need\\\/\"},\"wordCount\":1477,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-much-homeowners-insurance-coverage-do-i-need\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/wordwblog02.way.com\\\/wp-content\\\/uploads\\\/2022\\\/09\\\/WhistlinDiesel-monstermax.jpg\",\"keywords\":[\"Alabama\"],\"articleSection\":[\"Things To Know\",\"Homeowners Insurance\",\"Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-much-homeowners-insurance-coverage-do-i-need\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-much-homeowners-insurance-coverage-do-i-need\\\/\",\"url\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-much-homeowners-insurance-coverage-do-i-need\\\/\",\"name\":\"Homeowners' Insurance Coverage limits: How much is enough?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-much-homeowners-insurance-coverage-do-i-need\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-much-homeowners-insurance-coverage-do-i-need\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/wordwblog02.way.com\\\/wp-content\\\/uploads\\\/2022\\\/09\\\/WhistlinDiesel-monstermax.jpg\",\"datePublished\":\"2022-08-22T06:27:43+00:00\",\"dateModified\":\"2025-02-10T11:19:56+00:00\",\"description\":\"Homeowners insurance protects your home. It's important to have enough homeowners' insurance coverage. Read on to know more!\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-much-homeowners-insurance-coverage-do-i-need\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-much-homeowners-insurance-coverage-do-i-need\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-much-homeowners-insurance-coverage-do-i-need\\\/#primaryimage\",\"url\":\"https:\\\/\\\/wordwblog02.way.com\\\/wp-content\\\/uploads\\\/2022\\\/09\\\/WhistlinDiesel-monstermax.jpg\",\"contentUrl\":\"https:\\\/\\\/wordwblog02.way.com\\\/wp-content\\\/uploads\\\/2022\\\/09\\\/WhistlinDiesel-monstermax.jpg\",\"width\":1280,\"height\":720},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-much-homeowners-insurance-coverage-do-i-need\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/insurance\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Homeowners Insurance\",\"item\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/insurance\\\/homeowners-insurance\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"How much Homeowners Insurance Coverage Do I Need?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#website\",\"url\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/\",\"name\":\"Way Blog\",\"description\":\"Cars \ud83d\ude97 Simplified\",\"publisher\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#organization\",\"name\":\"Way.com\",\"url\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/wordwblog02.way.com\\\/wp-content\\\/uploads\\\/2020\\\/10\\\/cropped-wayCom_RedLogo-1.png\",\"contentUrl\":\"https:\\\/\\\/wordwblog02.way.com\\\/wp-content\\\/uploads\\\/2020\\\/10\\\/cropped-wayCom_RedLogo-1.png\",\"width\":700,\"height\":127,\"caption\":\"Way.com\"},\"image\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#\\\/schema\\\/person\\\/c916386c61281bccf925ffea1c3d35d9\",\"name\":\"Mahesh SL\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0ecb7f75edfde94269f5650c8555683909b8fabf450d7fe168896cc85d0edc5d?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0ecb7f75edfde94269f5650c8555683909b8fabf450d7fe168896cc85d0edc5d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0ecb7f75edfde94269f5650c8555683909b8fabf450d7fe168896cc85d0edc5d?s=96&d=mm&r=g\",\"caption\":\"Mahesh SL\"},\"jobTitle\":\"Senior Software Engineer\",\"url\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/author\\\/mahesh\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Homeowners' Insurance Coverage limits: How much is enough?","description":"Homeowners insurance protects your home. It's important to have enough homeowners' insurance coverage. Read on to know more!","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"How much Homeowners Insurance Coverage Do I Need?","og_description":"Homeowners insurance protects your home. It's important to have enough homeowners' insurance coverage. Read on to know more!","og_url":"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/","og_site_name":"Way Blog","article_published_time":"2022-08-22T06:27:43+00:00","article_modified_time":"2025-02-10T11:19:56+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/09\/WhistlinDiesel-monstermax.jpg","type":"image\/jpeg"}],"author":"Mahesh SL","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Mahesh SL","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/#article","isPartOf":{"@id":"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/"},"author":{"name":"Mahesh SL","@id":"https:\/\/dev.way.com\/journal\/#\/schema\/person\/c916386c61281bccf925ffea1c3d35d9"},"headline":"How much Homeowners Insurance Coverage Do I Need?","datePublished":"2022-08-22T06:27:43+00:00","dateModified":"2025-02-10T11:19:56+00:00","mainEntityOfPage":{"@id":"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/"},"wordCount":1477,"commentCount":0,"publisher":{"@id":"https:\/\/dev.way.com\/journal\/#organization"},"image":{"@id":"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/#primaryimage"},"thumbnailUrl":"https:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/09\/WhistlinDiesel-monstermax.jpg","keywords":["Alabama"],"articleSection":["Things To Know","Homeowners Insurance","Insurance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/","url":"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/","name":"Homeowners' Insurance Coverage limits: How much is enough?","isPartOf":{"@id":"https:\/\/dev.way.com\/journal\/#website"},"primaryImageOfPage":{"@id":"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/#primaryimage"},"image":{"@id":"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/#primaryimage"},"thumbnailUrl":"https:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/09\/WhistlinDiesel-monstermax.jpg","datePublished":"2022-08-22T06:27:43+00:00","dateModified":"2025-02-10T11:19:56+00:00","description":"Homeowners insurance protects your home. It's important to have enough homeowners' insurance coverage. Read on to know more!","breadcrumb":{"@id":"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/#primaryimage","url":"https:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/09\/WhistlinDiesel-monstermax.jpg","contentUrl":"https:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/09\/WhistlinDiesel-monstermax.jpg","width":1280,"height":720},{"@type":"BreadcrumbList","@id":"https:\/\/dev.way.com\/journal\/how-much-homeowners-insurance-coverage-do-i-need\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/dev.way.com\/journal\/"},{"@type":"ListItem","position":2,"name":"Insurance","item":"https:\/\/dev.way.com\/journal\/insurance\/"},{"@type":"ListItem","position":3,"name":"Homeowners Insurance","item":"https:\/\/dev.way.com\/journal\/insurance\/homeowners-insurance\/"},{"@type":"ListItem","position":4,"name":"How much Homeowners Insurance Coverage Do I Need?"}]},{"@type":"WebSite","@id":"https:\/\/dev.way.com\/journal\/#website","url":"https:\/\/dev.way.com\/journal\/","name":"Way Blog","description":"Cars \ud83d\ude97 Simplified","publisher":{"@id":"https:\/\/dev.way.com\/journal\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/dev.way.com\/journal\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/dev.way.com\/journal\/#organization","name":"Way.com","url":"https:\/\/dev.way.com\/journal\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/dev.way.com\/journal\/#\/schema\/logo\/image\/","url":"https:\/\/wordwblog02.way.com\/wp-content\/uploads\/2020\/10\/cropped-wayCom_RedLogo-1.png","contentUrl":"https:\/\/wordwblog02.way.com\/wp-content\/uploads\/2020\/10\/cropped-wayCom_RedLogo-1.png","width":700,"height":127,"caption":"Way.com"},"image":{"@id":"https:\/\/dev.way.com\/journal\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/dev.way.com\/journal\/#\/schema\/person\/c916386c61281bccf925ffea1c3d35d9","name":"Mahesh SL","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/0ecb7f75edfde94269f5650c8555683909b8fabf450d7fe168896cc85d0edc5d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0ecb7f75edfde94269f5650c8555683909b8fabf450d7fe168896cc85d0edc5d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0ecb7f75edfde94269f5650c8555683909b8fabf450d7fe168896cc85d0edc5d?s=96&d=mm&r=g","caption":"Mahesh SL"},"jobTitle":"Senior Software Engineer","url":"https:\/\/dev.way.com\/journal\/author\/mahesh\/"}]}},"_links":{"self":[{"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/posts\/45485","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/users\/46"}],"replies":[{"embeddable":true,"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/comments?post=45485"}],"version-history":[{"count":1,"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/posts\/45485\/revisions"}],"predecessor-version":[{"id":48163,"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/posts\/45485\/revisions\/48163"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/media\/46510"}],"wp:attachment":[{"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/media?parent=45485"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/categories?post=45485"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/tags?post=45485"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}