Should my dwelling limit equal what I paid for my home?

Not necessarily. Dwelling coverage generally focuses on the cost to rebuild the covered structure, while market price can also reflect land and local real-estate conditions.

What is the difference between replacement cost and actual cash value?

Replacement cost generally does not deduct for depreciation for covered repair or replacement, while actual cash value generally reflects depreciation. Policy terms control.

Does homeowners insurance cover floods and earthquakes?

Standard homeowners insurance generally does not cover flood or earthquake damage. Separate coverage may be available.

Why keep a home inventory?

A home inventory can help document belongings and support a claim after a covered loss.

CURO INSURANCE

Homeowners Coverage Review Checklist | Curo Insurance

Review rebuild cost, deductibles, personal property, liability, exclusions and recent home changes with this practical homeowners insurance checklist.

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