Dwelling and other structures
Compare the amount intended to rebuild the home and separate structures.
PERSONAL PROTECTION
Home & property
Your home changes with every renovation, roof improvement and major purchase. Reviewing protection means separating rebuilding cost, the value of belongings and the deductibles you might pay.
UNDERSTAND YOUR OPTIONS
What this insurance may address
Protection for your home, belongings and certain personal liability risks.
Personal belongings
Inventory important belongings and ask how they would be valued after a loss.
Additional living expenses after a covered loss
Confirm when temporary expenses are paid if a covered loss makes the home uninhabitable.
A situation to consider
After renovating a kitchen or adding space, review whether the insured amount still reflects the property you own today.
QUESTIONS WORTH ASKING
Start your quote with clarity.
- What is the estimated rebuilding cost?
- Is there a separate hurricane or wind deductible?
- Should you review flood coverage separately?
PREPARE FOR THE CONVERSATION
Have these handy if available:
- Property address and occupancy
- Construction year and major improvements
- Current policy and renewal date
- Approximate value of belongings to protect
Our team can explain any additional information a carrier requests.
FREEDOM INSURANCE
You may also explore
PERSONAL
Flood
Specific coverage for physical flood damage, subject to the policy's definition.
Learn more ↗
PERSONAL
Windstorm & hurricane
Options for windstorm and hurricane damage based on the property and policy terms.
Learn more ↗
PERSONAL
Personal umbrella
An additional layer of liability above specified underlying personal policies.
Learn more ↗Learn more from official sourcesRead this official guide ↗
This is general information. Coverage, limits, exclusions, eligibility and pricing depend on the insurer and policy. Confirm your options with our team.