Compare home insurance rates by dwelling coverage The rebuild value of your house will directly impact how much you pay for home insurance. Houses that are more expensive to rebuild require higher ...

Replacement cost coverage generally costs more than actual cash value when you get home insurance quotes. You can buy additional personal property coverage if your policy’s limit isn’t enough.

The cost to replace a radiator in a typical home is $1,500, though prices can range anywhere from $500 to $3,500 depending on a multitude of factors like the type of radiator and area that it’s ...

Extended replacement cost: This increases your dwelling coverage up to a certain limit — typically 10% to 50% of your home's replacement cost.

So if you have 20% replacement cost coverage, your insurance company would pay up to $360,000 (minus your deductible) to rebuild your home. This would leave you responsible for $15,000 instead of ...