Post-disaster surveys consistently find that more than half of homeowners do not have enough coverage to replace or rebuild their homes. Source: United Policyholders, 2026 When Hazards Hit Home One common mistake is choosing a homeowners insurance policy based on price alone. In reality, a cheaper policy is sometimes a bare-bones offering that could ultimately leave you exposed to a number of risks or without sufficient coverage to rebuild your home if disaster strikes. That’s why it is important to have a clear understanding of the types of coverage that are included — or specifically excluded — so you can compare policy features and costs on a level basis.
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