The short answer
Coverage A should equal the cost to rebuild your home from scratch — labor, materials, demolition, permits, and code upgrades. This is usually NOT the same as market value or purchase price. Underinsuring below 80% of rebuild cost triggers the coinsurance penalty on partial losses.
Frequently asked
- How do I calculate it?
- Insurer replacement cost estimator, or independent RCV calculation from a contractor or appraiser.
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