{"id":320805,"date":"2025-11-11T08:37:03","date_gmt":"2025-11-11T13:37:03","guid":{"rendered":"https:\/\/www.reviews.com\/?p=121767"},"modified":"2025-11-11T08:37:04","modified_gmt":"2025-11-11T13:37:04","slug":"how-much-home-insurance-do-i-need","status":"publish","type":"post","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/how-much-home-insurance-do-i-need\/","title":{"rendered":"How Much Home Insurance Do I Need?"},"content":{"rendered":"\n\n\n<p>Home insurance isn\u2019t one-size-fits-all. There are standard <a href=\"\/insurance\/homeowners\/types-of-policies\/\">policy types<\/a> available from all of <a href=\"\/insurance\/homeowners\/best\/\">the best home insurance companies<\/a>, but recent market shifts mean you should verify details like loss settlement (replacement cost vs. ACV), catastrophe deductibles, and roof terms before you buy. HO-3 remains the most common owner-occupied form, with coverages A\u2013F and exclusions like flood and earthquake unchanged in principle (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www.iii.org\/article\/what-is-covered-by-a-standard-homeowners-insurance-policy\">Insurance Information Institute<\/a>). Since 2020, many insurers have tightened underwriting (e.g., roof age\/condition), added or raised separate wind\/hail and hurricane percentage deductibles, and increasingly limit older-roof claims to ACV or roof schedules (<a href=\"https:\/\/www.tdi.texas.gov\">Texas Department of Insurance<\/a>; <a href=\"https:\/\/www.iii.org\/issue-update\/trouble-in-homeowners-insurance-markets\">Triple-I market update<\/a>). You can customize limits, choose endorsements, and use mitigation credits (e.g., IBHS FORTIFIED Roof or wildfire hardening programs) where offered to make coverage both adequate and more affordable (<a href=\"https:\/\/www2.deloitte.com\">Deloitte 2025 outlook<\/a>; <a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis 2025 Home Trends<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 1: Check Your &#8216;Basic&#8217; Coverage<\/h2>\n\n\n\n<p>Every insurer\u2019s policy form is a little different, but most homeowners in the U.S. carry an HO\u20113 (see <a href=\"\/insurance\/homeowners\/types-of-policies\/\">policy types<\/a>). Confirm the foundation first, then drill into today\u2019s pain points: separate wind\/hail or hurricane deductibles (often 1%\u20135% of Coverage A and triggered by state-specific rules), roof settlement for older roofs (ACV vs. replacement cost), water-damage sublimits, and ordinance or law limits (<a href=\"https:\/\/content.naic.org\">NAIC hurricane deductibles<\/a>; <a href=\"https:\/\/www.tdi.texas.gov\">TDI<\/a>).<\/p>\n\n\n\n<ul><li><strong>Dwelling coverage<\/strong>, meaning your home and anything attached to it \u2014 typically replacement cost if insured to value; ask about <em>inflation guard<\/em> and extended\/guaranteed replacement cost options (+25%\/+50% vary by carrier) (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/li><li><strong>Other structures<\/strong> on your property like fences, garages, or guest houses \u2014 usually a percentage of Coverage A; confirm if separate wind\/hail or hurricane deductibles apply by peril (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/li><li><strong>Personal property<\/strong> like furniture and (some) appliances (for more appliances and systems, you\u2019ll need a <a href=\"\/insurance\/homeowners\/home-warranty-and-home-insurance\/\">home warranty<\/a>) \u2014 often ACV by default; you can upgrade to replacement cost or consider an HO\u20115 for open\u2011perils on contents (<a href=\"https:\/\/www.iii.org\/article\/what-is-covered-by-a-standard-homeowners-insurance-policy\">Triple\u2011I<\/a>).<\/li><li><strong>Liability and medical costs<\/strong> if someone is injured on your property and\/or sues \u2014 verify your base personal liability limit (commonly $300,000) and whether personal injury is included (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/li><li><strong>Loss of use coverage<\/strong> to cover living expenses if you need to relocate while your home is being repaired or rebuilt \u2014 check daily and aggregate limits and any time caps (<a href=\"https:\/\/www.iii.org\/article\/what-is-covered-by-a-standard-homeowners-insurance-policy\">Triple\u2011I<\/a>).<\/li><\/ul>\n\n\n\n<p>An HO-3 policy only applies in a predetermined set of circumstances, also known as the \u201c16 perils.\u201d If your home is damaged by something that isn\u2019t on this list \u2014 like floods or earthquakes \u2014 you won\u2019t be able to file a claim. In today\u2019s market, also watch for cosmetic-damage exclusions on roofs\/siding and age-based roof settlement schedules, which can reduce payouts even when a named peril applies (<a href=\"https:\/\/www.tdi.texas.gov\">TDI<\/a>; <a href=\"https:\/\/www.iii.org\/issue-update\/trouble-in-homeowners-insurance-markets\">Triple\u2011I market update<\/a>).<\/p>\n\n\n\n<ul><li>Fire or lightning<\/li><li>Windstorm or hail<\/li><li>Explosion<\/li><li>Riot or civil commotion<\/li><li>Damage caused by aircraft<\/li><li>Damage caused by vehicles<\/li><li>Smoke<\/li><li>Vandalism or malicious mischief<\/li><li>Theft<\/li><li>Volcanic eruption<\/li><li>Falling object<\/li><li>Weight of ice, snow, or sleet<\/li><li>Discharge or overflow of water or steam from plumbing, heating, air conditioning, fire-protective sprinkler system, or household appliance<\/li><li>Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, air conditioning, or fire-protective system<\/li><li>Freezing of a plumbing, heating, air conditioning, or fire-protective system, or household appliance<\/li><li>Sudden and accidental damage from artificially generated electrical current<\/li><\/ul>\n\n\n\n<p>Given construction cost volatility and tighter underwriting since 2020, right-size Coverage A using your insurer\u2019s replacement cost estimator, enable inflation guard where available, and consider extended or guaranteed replacement cost to buffer spikes in labor\/materials (<a href=\"https:\/\/www.iii.org\/issue-update\/trouble-in-homeowners-insurance-markets\">Triple\u2011I market update<\/a>; <a href=\"https:\/\/content.naic.org\">NAIC<\/a>). Ask your agent to identify all deductibles: the all\u2011other\u2011perils deductible plus any separate wind\/hail or hurricane\/named\u2011storm deductibles and their triggers (often percentage\u2011based) (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 2: Conduct a Home Inventory<\/h2>\n\n\n\n<p>Even if you can\u2019t afford endorsements right now, you should <a href=\"\/insurance\/homeowners\/how-to-perform-home-inventory\/\">conduct a home inventory<\/a> to set accurate limits and speed up any <a href=\" \nhttps:\/\/www.reviews.com\/insurance\/homeowners\/filing-a-claim\/\">claims process<\/a>. Photograph rooms and serial numbers, save receipts, and back up files to the cloud. After a loss, best practices include promptly notifying your insurer (FNOL), mitigating further damage (e.g., tarps\/shutoffs), and keeping receipts for emergency repairs; don\u2019t discard damaged items until inspected (<a href=\"https:\/\/www.iii.org\/article\/filing-a-homeowners-insurance-claim\">Triple\u2011I: filing a claim<\/a>). If a claim is disputed, you may use appraisal\/mediation\/arbitration options per your policy, and state \u201cfair claims\u201d rules set timelines (e.g., California requires acknowledgment within 15 days and a coverage decision within 40 days after proof of claim) (<a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/130-guides\/01-auto\/fair-claims-settlement-practices.cfm\">California DOI<\/a>). Many carriers also support digital FNOL and virtual inspections to accelerate resolution (<a href=\"https:\/\/www2.deloitte.com\">Deloitte 2025 outlook<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 3: Consider Add-On Endorsements<\/h2>\n\n\n\n<p>Endorsements fill common gaps in a base HO policy. Given 2024\u20132025 trends, ask about these specifically: personal property replacement cost, sewer\/sump water backup, service line coverage, equipment breakdown\/home systems (often including smart-home tech and home EV chargers), increased ordinance or law limits (commonly 25% or 50% of Coverage A), extended\/guaranteed replacement cost, and options addressing roof\/wind issues (e.g., cosmetic damage, matching siding\/roof where available). Some carriers also offer personal cyber coverage beyond identity theft, and dedicated home\u2011sharing endorsements for short\u2011term rentals (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www.tdi.texas.gov\">TDI<\/a>; <a href=\"https:\/\/www.iii.org\/article\/equipment-breakdown-coverage-for-homeowners\">Triple\u2011I: equipment breakdown<\/a>; <a href=\"https:\/\/www.iii.org\/article\/service-line-coverage\">Triple\u2011I: service line<\/a>; <a href=\"https:\/\/www.iii.org\/article\/personal-cyber-insurance\">Triple\u2011I: personal cyber<\/a>; <a href=\"https:\/\/content.naic.org\">NAIC: home\u2011sharing<\/a>).<\/p>\n\n\n\n<ul><li>Jewelry and valuable items<\/li><li>Home businesses<\/li><li>Water backup and sump pump damage<\/li><li>Earthquake damage<\/li><li>Green home repairs<\/li><li>Personal property replacement cost (extra coverage for personal items)<\/li><li>Identity theft protection (some providers have started adding this to their basic coverage)<\/li><\/ul>\n\n\n\n<p>Endorsements are typically inexpensive relative to the loss they avert. Water backup and service line are often tens of dollars per year for $10k\u2013$20k limits; equipment breakdown can extend protection to HVAC\/appliances and EV chargers, sometimes with \u201cgreen\u201d upgrade allowances after a covered loss (<a href=\"https:\/\/www.iii.org\/article\/service-line-coverage\">Triple\u2011I: service line<\/a>; <a href=\"https:\/\/www.iii.org\/article\/equipment-breakdown-coverage-for-homeowners\">Triple\u2011I: equipment breakdown<\/a>). Because repeated seepage\/long\u2011term leaks are commonly excluded, ask about endorsements that address hidden\/gradual water damage where available (<a href=\"https:\/\/www.tdi.texas.gov\">TDI: water damage<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 4: Consider an Umbrella Policy<\/h2>\n\n\n\n<p>Umbrella (excess liability) policies sit above your home\/auto to protect against large lawsuits once underlying limits are exhausted. Common starting limits are $1 million, with typical premiums around $150\u2013$350 per year for the first $1 million and $75\u2013$150 for each additional $1 million; recent renewals often see roughly +5% to +15% depending on risk factors (<a href=\"https:\/\/www.iii.org\/article\/do-i-need-umbrella-insurance\">Triple\u2011I: umbrella<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/umbrella-insurance\">NerdWallet<\/a>; <a href=\"https:\/\/www.swissre.com\/institute\/research\/topics-and-risk-dialogues\/liability\/social-inflation-and-nuclear-verdicts.html\">Swiss Re on liability trends<\/a>). Most carriers require minimum underlying limits \u2014 commonly auto 250\/500 (or $300k CSL) and homeowners liability $300k \u2014 before issuing an umbrella (<a href=\"https:\/\/www.iii.org\/article\/do-i-need-umbrella-insurance\">Triple\u2011I<\/a>; <a href=\"https:\/\/www.allstate.com\">Allstate<\/a>; <a href=\"https:\/\/www.travelers.com\/personal-insurance\/umbrella-insurance\">Travelers<\/a>).<\/p>\n\n\n\n<p>Once you have an accurate estimate of your home\u2019s value, check to make sure your primary home insurance policy (and its endorsements) will cover everything you need it to, both in terms of cost and in terms of your property and the losses you could potentially suffer. Almost all of the <a href=\"\/insurance\/homeowners\/best\/\">the best home insurance companies<\/a> offer umbrella policies, so all you have to do is ask. The price of an umbrella policy will depend on how much insurance your home already has (the more insurance, the cheaper the umbrella), but also on how risky your home is to insure. According to the Insurance Information Institute, \u201cTo write an umbrella or excess policy, most companies will require a minimum of $300,000 underlying liability insurance on your standard homeowners policy.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 5: Look Into Flood and Earthquake Risks<\/h2>\n\n\n\n<p>If you live in an area prone to floods or earthquakes, you should know that a standard, \u201cbasic\u201d HO-3 home insurance policy doesn\u2019t cover either of those things. NOAA continues to log historically high counts of billion\u2011dollar disasters, including severe storms and floods, and USGS\u2019s 2024 seismic hazard update shows widespread U.S. exposure to damaging shaking \u2014 making separate flood and earthquake coverage increasingly relevant (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>; <a href=\"https:\/\/www.usgs.gov\/programs\/earthquake-hazards\/national-seismic-hazard-model\">USGS NSHM<\/a>).<\/p>\n\n\n\n<p><strong>For floods:<\/strong><\/p>\n\n\n\n<ul><li>Check <a href=\"https:\/\/msc.fema.gov\/portal\/search\" rel=\"noopener noreferrer\" target=\"_blank\">FEMA\u2019s mapping tool<\/a> to make sure your home isn\u2019t in a flood-prone area.<\/li><li>Read <a href=\"\/insurance\/homeowners\/how-does-flood-insurance-work\/\">our guide to how flood insurance works<\/a>.<\/li><li>Ask you insurance provider if it&#8217;s authorized to sell <a href=\"https:\/\/www.floodsmart.gov\/\" rel=\"noopener noreferrer\" target=\"_blank\">National Flood Insurance Program (NFIP) policies<\/a>. It probably is, but if it isn&#8217;t, you can still <a href=\"https:\/\/www.floodsmart.gov\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">purchase a separate flood insurance policy yourself<\/a> from the NFIP.<\/li><\/ul>\n\n\n\n<p>NFIP policies for 1\u20134 family homes offer up to $250,000 for the building and $100,000 for contents; they do not include Additional Living Expenses and have important basement\/ground\u2011level limitations. ICC (Increased Cost of Compliance) can provide up to $30,000 for code upgrades after substantial damage. A standard 30\u2011day waiting period applies (with limited statutory exceptions), and if your property is in a Special Flood Hazard Area with a federally backed mortgage, flood insurance is required by the lender. All NFIP pricing now uses Risk Rating 2.0, which prices each property individually based on factors like distance to water and first\u2011floor height, with statutory caps on most annual increases (<a href=\"https:\/\/www.fema.gov\">FEMA Flood Insurance Manual (effective Apr. 1, 2025)<\/a>; <a href=\"https:\/\/www.fema.gov\">FEMA NFIP statistics<\/a>).<\/p>\n\n\n\n<p>Beyond NFIP, private flood insurers offer primary and excess options with higher limits (often $1\u2013$5 million+), potential ALE coverage, and flexible deductibles; many lenders accept private flood that meets the federal definition. Compare NFIP vs. private on limits, exclusions (e.g., basements), waiting periods, and price; community CRS participation and property mitigation (elevating utilities, flood openings) can reduce premiums (<a href=\"https:\/\/content.naic.org\">NAIC CIPR: Flood Risk &#038; Insurance<\/a>; <a href=\"https:\/\/www.fema.gov\">FEMA Manual<\/a>).<\/p>\n\n\n\n<p><strong>For earthquakes:<\/strong><\/p>\n\n\n\n<ul><li>Check <a href=\"https:\/\/www.fema.gov\" rel=\"noopener noreferrer\" target=\"_blank\">FEMA\u2019s guide<\/a> to see if your home is at risk for earthquakes.<\/li><li>Ask your insurance provider about its earthquake endorsement. The price will depend on how risky your home is, and according to the <a href=\"https:\/\/www.iii.org\/article\/earthquake-insurance-for-homeowners\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Insurance Information Institute<\/a>, deductibles \u201care higher than those in standard homeowners or renters insurance, usually from 5 to 15 percent of the policy limit.\u201d<\/li><li>If you live in California, you can purchase a separate policy from the not-for-profit <a href=\"https:\/\/www.earthquakeauthority.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">California Earthquake Authority<\/a>. Since it specializes in earthquake coverage, you may find its policies more comprehensive than those of a national insurance provider, though it\u2019s definitely worth comparing your options.<\/li><\/ul>\n\n\n\n<p>Earthquake coverage is typically a separate policy\/endorsement with percentage deductibles commonly 5%\u201325% applied to the dwelling limit (and sometimes other coverages). Outside California, private markets are widely available; in California, CEA offers standardized options for dwelling, contents, loss of use, and code upgrades, but excludes external structures like pools\/fences. Some insurers and CEA provide benefits or discounts for retrofits (e.g., bracing cripple walls, bolting foundations) \u2014 compare deductible levels, ALE, and code upgrades across quotes (<a href=\"https:\/\/www.earthquakeauthority.com\">CEA Stats &#038; Facts<\/a>; <a href=\"https:\/\/www.usgs.gov\/programs\/earthquake-hazards\/national-seismic-hazard-model\">USGS NSHM<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 6: Don\u2019t Forget About Home Warranties<\/h2>\n\n\n\n<p>A <a href=\"https:\/\/www.reviews.com\/insurance\/home-warranty\/best\/\">home warranty<\/a> is a residential service contract for wear\u2011and\u2011tear failures of systems\/appliances \u2014 it isn\u2019t homeowners insurance and won\u2019t cover perils like fire or theft. Expect a monthly\/annual premium plus a per\u2011claim service call fee; contracts include limits, sublimits (e.g., refrigerant\/permits), and exclusions for improper installation, lack of maintenance, or pre\u2011existing conditions. Always review the state\u2011specific contract and the regulator\/complaint process before purchase (<a href=\"https:\/\/consumer.ftc.gov\">FTC<\/a>; <a href=\"https:\/\/www.trec.texas.gov\">Texas Real Estate Commission<\/a>).<\/p>\n\n\n\n<ul><li>Refrigerator<\/li><li>Dishwasher<\/li><li>Range\/oven\/cooktop<\/li><li>Clothes dryer<\/li><li>Built-in microwave<\/li><li>Free-standing ice maker<\/li><li>Washer<\/li><li>Dryer<\/li><li>Garage door opener<\/li><li>Trash compactor<\/li><li>Heating with ductwork<\/li><li>Electrical<\/li><li>Water heater<\/li><li>Garbage disposal<\/li><li>Air conditioning<\/li><li>Ceiling fan<\/li><li>Doorbell<\/li><\/ul>\n\n\n\n<p>See <a href=\"https:\/\/www.reviews.com\/insurance\/home-warranty\/best\/\">home warranty<\/a> for more. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What\u2019s Next?<\/h2>\n\n\n\n<ul><li><span style=\"font-size: 1.125rem;\">See our picks for <\/span><a style=\"font-size: 1.125rem; background-color: rgb(254, 254, 254);\" href=\"\/insurance\/homeowners\/best\/\">the best home insurance companies<\/a><span style=\"font-size: 1.125rem;\">. When comparing, ask for written disclosures of all deductibles (AOP plus wind\/hail or hurricane), roof settlement terms, and mitigation credits (e.g., FORTIFIED Roof or wildfire hardening), and consider extended replacement cost or higher ordinance\/law limits for resilience (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www2.deloitte.com\">Deloitte 2025 outlook<\/a>).<\/span><\/li><li>Here\u2019s <a href=\" \nhttps:\/\/www.reviews.com\/insurance\/homeowners\/filing-a-claim\/\">claims process<\/a>. After a loss, document thoroughly (photos\/video, inventories), mitigate further damage, keep receipts, and avoid signing assignment\u2011of\u2011benefits or direction\u2011to\u2011pay agreements you don\u2019t understand; if needed, pursue appraisal\/mediation and consult your state DOI timelines (e.g., CA acknowledgment within 15 days, decision within 40 days after proof) (<a href=\"https:\/\/www.iii.org\/article\/filing-a-homeowners-insurance-claim\">Triple\u2011I<\/a>; <a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/130-guides\/01-auto\/fair-claims-settlement-practices.cfm\">California DOI<\/a>).<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Home insurance isn\u2019t one-size-fits-all. There are standard policy types available from all of the best home insurance companies, but recent market shifts mean you should verify details like loss settlement (replacement cost vs. ACV), catastrophe deductibles, and roof terms before you buy. HO-3 remains the most common owner-occupied form, with coverages A\u2013F and exclusions like [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":122606,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much Home Insurance Do I Need? - Reviews.com<\/title>\n<meta name=\"description\" content=\"Using this guide you can understand How Much Home Insurance Do I Need?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/how-much-home-insurance-do-i-need\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Much Home Insurance Do I Need? - Reviews.com\" \/>\n<meta property=\"og:description\" content=\"Using this guide you can understand How Much Home Insurance Do I Need?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/homeowners\/how-much-home-insurance-do-i-need\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-11T13:37:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-11T13:37:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2019\/05\/featured-image-How-much-home-insurance-do-i-need-1024x690.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"690\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Reviews Staff\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Reviews\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Reviews Staff\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/how-much-home-insurance-do-i-need\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Much Home Insurance Do I Need?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How Much Home Insurance Do I Need? - Reviews.com","description":"Using this guide you can understand How Much Home Insurance Do I Need?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.reviews.com\/insurance\/homeowners\/how-much-home-insurance-do-i-need\/","og_locale":"en_US","og_type":"article","og_title":"How Much Home Insurance Do I Need? - Reviews.com","og_description":"Using this guide you can understand How Much Home Insurance Do I Need?","og_url":"https:\/\/www.reviews.com\/insurance\/homeowners\/how-much-home-insurance-do-i-need\/","og_site_name":"Reviews.com","article_publisher":"https:\/\/www.facebook.com\/Reviewscom\/","article_published_time":"2025-11-11T13:37:03+00:00","article_modified_time":"2025-11-11T13:37:04+00:00","og_image":[{"width":1024,"height":690,"url":"https:\/\/www.reviews.com\/wp-content\/uploads\/2019\/05\/featured-image-How-much-home-insurance-do-i-need-1024x690.jpg","type":"image\/jpeg"}],"author":"Reviews Staff","twitter_card":"summary_large_image","twitter_creator":"@Reviews","twitter_site":"@Reviews","twitter_misc":{"Written by":"Reviews Staff","Est. reading time":"9 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/www.reviews.com\/insurance\/homeowners\/how-much-home-insurance-do-i-need\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.reviews.com\/"},{"@type":"ListItem","position":2,"name":"How Much Home Insurance Do I Need?"}]},{"@type":"WebSite","@id":"https:\/\/www.reviews.com\/#website","url":"https:\/\/www.reviews.com\/","name":"Reviews.com","description":"Your Guide to the Best Services","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.reviews.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/posts\/320805"}],"collection":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/users\/345"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/comments?post=320805"}],"version-history":[{"count":0,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/posts\/320805\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media\/122606"}],"wp:attachment":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media?parent=320805"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/categories?post=320805"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/tags?post=320805"},{"taxonomy":"post_author","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/post_author?post=320805"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}