When thinking about how much coverage you need, consider everything in your home that you would need to replace should a fire burn your unit down. It can be a good idea to periodically audit your home and tally up what everything's worth. Then, check your insurance to make sure you have enough to cover the cost of replacing it all.

If you live near a body of water such as a lake, river, or creek, you may be more susceptible to risks such as flooding and sewer back-up. If so, we encourage you to select our Enhanced Coverage: Water Damage extension. This additional coverage will keep you covered for these possible worst case scenarios, providing you with priceless peace of mind.

Looking to learn more? Read our article How Much Personal Property Insurance Do I Need? for more information.