What Is The Right Amount Of Homeowners Insurance? 
Talk tot your insurance professional and ask for a current `` Reconstruction Analysis '' for your home . Be sure to detail any improvements or renovations that you may have made so that these can be properly factored into the calculation . The result of this analysis , if completed properly , will be an accurate measure of what it would cost to reconstruct your home as it is today , should it be severely damaged or lost due to a covered peril . Once this figure is determined , be sure to ask if the policy includes a form or `` replacement Guarantee '' to make sure that moving forward you will remain properly covered . 