If you own a home, you absolutely must have homeowners insurance. How much homeowners insurance you need is the difficult question for most people.
Evaluate your Home
In order to determine how much homeowners insurance is necessary, you should evaluate the value of your home, not counting the land, and all of your personal property within your home. How much will it cost to rebuild your home if it was completely destroyed? An insurance agent is trained to assist you in figuring out this dollar amount, and most will physically visit your home before insuring it. There are formulas that homeowners insurance agents take into consideration for determining replacement value, that include whether the home is brick or wood frame, the total area of the home, number of rooms and other details that enable the agent to determine an accurate replacement cost value. Some homeowners also pay to get a contractor estimate for rebuilding their home.
Evaluate your Property
With a piece of paper, go through every room of your home and list each piece of furniture and fixture thats in it. If possible, you should include receipts that show the purchase price and...
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