What To Look For When Choosing Homeowners Insurance? 
The first thing I recommend looking for is appropriate coverage . Your homeowners insurance should have enough dwelling coverage to cover not only the cost of rebuilding your home , but also cover the clearing and removal of debris is your home is destroyed . All too often , I see homeowners policies that ONLY cover the cost to rebuild . If you do n't have enough to clear the debris , you could get stuck with that cost yourself -LRB- and that cost is in the neighborhood of $ 30,000 ! -RRB- . If the cost to rebuild your home becomes MORE than your coverage , is there anything in place to help pay for that ? For example , Farmers Insurance will include an extra 25 % of the dwelling coverage . So , if your home coverage is $ 100,000 , and it ends up cost $ 125,000 to rebuild your home , Farmers Insurance would pay that amount -LRB- minus your home deductible -RRB- . The final thing I would point out would be the deductible . In many cases , if you have never had a claim , you can have a lower deductible . However , many insurance companies are moving to a higher deductible model -LRB- usually as a percentage of the dwelling coverage -RRB- . So , if your dwelling coverage is $ 200,000 , your deductible would be 1 % of the dwelling , or $ 2,000 . I recommend finding a company that offers a deductible you feel comfortable paying . 