Your home insurance company can figure out your home’s replacement cost value. You can also use an online replacement cost estimator to see how much you may need in replacement cost value.

Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them.

If you want replacement cost ... Perhaps the best way to estimate your homeowners insurance cost is to compare home insurance quotes from multiple carriers (making sure to request the same ...

Speaking with a licensed insurance agent can give you a better idea of your home’s replacement cost estimate, which can shed light on how much coverage you actually need. If you purchased a home ...

The advice is to get an estimate of how much it would cost to rebuild your home and document everything you have. That way, you can figure out if you need more insurance to cover everything.