First-Time Homeowner Insurance Checklist
Coverage limits, replacement cost vs market value, and the riders most new owners miss.
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Replacement cost vs. market value
The single biggest homeowner mistake is insuring the house for what you paid rather than what it costs to rebuild. Land value doesn't burn down — you want a dwelling limit set to replacement cost so you can actually rebuild after a total loss.
Ask for guaranteed or extended replacement cost when it's available. In a year of rising construction prices, that buffer is the difference between whole and out-of-pocket.
The riders new owners miss
Standard policies cap coverage on jewelry, electronics, and cash, and often exclude water backup and flood entirely. If you're in a DMV flood-prone zone, a separate flood policy isn't optional.
We walk first-time buyers through the endorsements that actually matter for their home and skip the ones that just pad the premium.
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