Everything you own, protected as one program

Construction costs have risen, but many dwelling limits haven't. If rebuilding costs $500K and your policy covers $350K, you'd face a large shortfall after a total loss.

The fix: get a replacement-cost estimate each year and choose guaranteed replacement cost with at least 25% extended coverage.

State-minimum auto ($25K) and basic home liability ($100K) are low. A serious injury lawsuit can exceed $500K, putting savings, home equity and future earnings at risk.

The fix: raise primary limits and add a personal umbrella — often $200–$500 a year for $1–2M of protection.

Flooding is the most common natural disaster, yet standard homeowners policies exclude it. Over 25% of flood claims come from outside high-risk zones.

The fix: add a flood policy (NFIP or private). There's a 30-day waiting period, so it can't be bought as a storm approaches.

A $15K ring or $8K watch is usually capped at $1,500–$2,500 for theft under a homeowners policy. Many families find out only at claim time.

The fix: schedule valuables individually with appraisals. A personal-articles floater pays full value, often with no deductible.

ACV policies subtract depreciation. A five-year-old roof damaged in a storm might pay only half of replacement cost, leaving you to fund the rest.

The fix: choose replacement-cost coverage for dwelling and contents — the premium difference is small next to the protection.

Water damage from sewer or drain backup is excluded from most homeowners policies, and a municipal or septic backup can cause extensive damage.

The fix: add a sewer/drain backup endorsement — $25K–$50K limits are usually available for a modest premium.