08/24/2026
Home insurance isn’t the most exciting part of homeownership… but it is one of the ✨most important✨
Here are a few things many homeowners don’t realize:
🧾 Replacement cost does not equal market value. Your policy covers the cost to rebuild, not what your home would sell for.
📦 High-value items like jewelry, bikes & collectibles might need extra coverage.
🌊 Flood & sewer backup coverage usually isn’t included (and it’s 100% worth adding, especially after the year we’ve had 😅).
🔧 Wear and tear isn’t covered, so regular upkeep still matters.
📅 Big reno? Let your provider know, it can impact your coverage.
Have questions about insurance while buying, renovating, or selling? Happy to help, reach out anytime!