Home & renters
How Much Liability Coverage Do I Need? Home, Auto and Umbrella
How much personal liability coverage you need on home, renters and auto policies, and when an umbrella policy makes sense. Simple tiers and examples.
Topics
Home & renters
A home or renters policy protects three things: your stuff, the building (if you own it), and you, if someone gets hurt or their property is damaged. These guides help you size each one.
Home & renters
Do I Need Flood Insurance? What Home and Renters Policies Leave Out
Do you need flood insurance? Standard home and renters policies usually exclude floods. NFIP limits, the 30-day wait, and how to decide.
Home & renters
How Much Dwelling Coverage Do I Need? Rebuild Cost, Not Market Value
Dwelling coverage should match what it costs to rebuild your home, not its sale price. How to estimate rebuild cost and avoid underinsurance.
Home & renters
Replacement Cost vs Actual Cash Value: What a Claim Really Pays
Replacement cost vs actual cash value: how depreciation changes what a home or renters claim pays, with worked examples and questions to ask.
Home & renters
How Much Renters Insurance Do I Need? A Room-by-Room Guide
How much renters insurance you need: add up your belongings room by room, choose replacement cost, and pick liability that protects your savings.
More calculators
Home & renters
Your stuff, your liability, your rebuild cost
Actual cash value calculator
Estimate the actual cash value of a damaged item after depreciation, what an ACV policy would pay, and how much more replacement cost coverage pays.
Homeowners coinsurance calculator
See how much a home insurance claim pays if your dwelling limit is below 80% of replacement cost. Check the coinsurance penalty before a loss happens.
Home rebuild cost calculator
Estimate the cost to rebuild your home for dwelling coverage: square feet × local cost, plus soft costs, code upgrades and extended replacement cost.
Hurricane and wind deductible calculator
Turn a percentage hurricane, wind or hail deductible into dollars. See what you would pay before insurance helps, and whether your savings cover it.
Flood insurance coverage calculator
See how much of your home and belongings NFIP flood insurance can cover (up to $250,000 and $100,000) and the gap excess flood cover must fill.
Additional living expenses calculator
Estimate how much additional living expenses (loss of use) coverage you would need if a fire or storm forced you out of your home, and check your limit.
Umbrella insurance calculator
How much umbrella insurance do you need? Compare your net worth and future income at risk with your auto and home liability limits, in $1 million steps.
Questions people ask
What does a home or renters policy cover?
Usually your belongings, your personal liability, and extra living costs if you must move out after a covered loss. Homeowners policies also cover the house and other structures.
Is flood covered by home or renters insurance?
Generally no. Flood needs a separate policy through the National Flood Insurance Program or a private insurer, usually with a 30-day wait.
How much personal property coverage do I need?
Enough to replace everything you own at today's prices. Adding up each room is the most reliable way to find the number.
Should dwelling coverage match my home's value?
It should match the cost to rebuild, not the market value, which includes land.
How much liability should a renter or homeowner carry?
At least $100,000, and more if you have savings or income to protect, with an umbrella policy when your net worth is larger than your limits.