View Full Version : Do I have enough Home Insurance???


micknavy45
The house is in Hampton, NH and Zillow.com values it as $226,000
I really don't think I have enough insurance to cover builing costs but all the calculators I have done says I do. I feel like I might be missing some kep piece of info.

Can anyone help???

I currently have:

Dwelling $143,000
Other Structures $35,750
Personal Belongings (Includes Replacement Cost) $107,250
Loss of Use Unlimited
Personal Liability - Each Occurrence $300,000
Medical Payments to Others $5,000

With deductibles of:

Wind and Hail $1,000
Other Covered Perils $1,000

With home characteristics of:

Year Built 1961
Total Square Footage Includes garage square footage if there is living space above the garage. 1,332 sq. ft.
Number of Stories 1
Site Access Flat

Outside Your Home
Exterior Wall Construction Material Vinyl Siding
Main Home Foundation Type Slab
Roof Type Composition Shingle
Garage or Carport Type

Inside Your Home
Wall Partitions Construction Materials Drywall
Wall Covering Materials Paint
Floor Covering Materials Hardwood , Vinyl , Ceramic Tile
Number of Kitchens 1
Kitchen Type Standard
Number of Bathrooms 1
Bathroom Type Standard
Is there a security alarm system at this address? Yes, but sounds at home only
Is there a fire alarm system at this address? Yes, but sounds at home only
Is there a sprinkler system that will activate during a fire emergency at this address? No

Heating & Cooling
Number of Fireplaces 1
Type of Air Central Air Conditioning - Same Duct
Type of Heat Heating - Gas

nck4857
Well I'm trying to figure out if I have too much coverage, Zillow has my house listed at 185K and the Dwelling coverage they say I need is 228K.... Try this website http://www.accucoverage.com/ and see what they say..