Check if your home insurance has coverage gaps that could leave you paying out of pocket after a loss.
This estimator compares your current home insurance coverage limits against recommended levels. Dwelling coverage should cover full rebuild cost. Personal property is typically 50-70% of dwelling. Liability coverage should be at least $300,000 (with $500,000 often recommended). Loss of use coverage should cover 12-24 months of living expenses. Gaps are shown in red — these represent money you'd pay out of pocket after a total loss.