This depends on whether your insurance policy covers the hazard that destroyed your home. For example, most standard insurance policies do not cover flood or hurricane damage, so you would not be covered unless you purchased a separate flood insurance policy. Assuming that your insurance covers the cause of the damage, the amount provided will depend on the level of coverage stated in the policy. Most likely, a homeowner will have replacement cost coverage. This is a fixed amount calculated in advance, based on the size and certain other features of your home, and it will be set out in your policy. Replacement cost coverage may not cover all of your costs, but it should cover a large portion of them. Some homeowners get guaranteed replacement coverage, which does cover all of their costs automatically, but these policies are hard to find. Other policies provide actual cash value coverage, which is based on the market value of the home just before the damage or destruction. This is the lowest level of coverage and probably will not cover all of your costs, since it accounts for depreciation.