While most homeowners insurance policies include replacement cost value for dwelling and other structures coverage, personal property is often insured at actual cash value, unless the homeowner ...

Dwelling coverage pays to repair burned-away or singed portions of ... Personal property coverage Personal property coverage pays to replace your clothing, furniture and other belongings after a fire.

If your dwelling coverage is insufficient — due to rising construction costs or something else — you’re responsible for covering the remaining expenses to rebuild. You can find your dwelling limit, as ...

Add-on options include computer coverage, sump pump backup coverage, and dwelling replacement coverage ... and offers a variety of riders and other insurance policies. Who's this for?

And if your roof or other parts of your home are old or not well maintained ... with an average rate of $2,367 per year for a policy with $350,000 in dwelling coverage. Auto-Owners is also cheapest ...