Is your home insured for enough? I know we all want to pay as little as possible for our insurance, but it’s always a good idea to review your home insurance at every renewal and make sure your dwelling coverage amount is sufficient. Most home insurance policies with extended replacement cost coverage for the dwelling require that your home be insured at 100% of its actual replacement value. If you had a total loss of your home, and it is determined that the dwelling was under insured, it can negate the replacement cost provision and leave you without enough coverage to rebuild your home. So take some time to make sure your coverage is up to date to avoid being left out in the cold.