Know what you need Get an estimate of the cost to rebuild your home at accucoverage.com (cost: $8). If your policy isn't in line with current prices, call your insurance agent to boost your dwelling limit coverage.
Get inflation protection To ensure that your coverage keeps up with rising building costs, make sure your policy includes an annual inflation adjustment.
Spring for more With extended replacement cost coverage, you can collect 125 percent to 150 percent of the amount on your policy for losses vs. 100 percent under standard coverage. You'll pay 2.5 percent to 5 percent more in premiums, but it's worth it.
