Coverage checkup
See where you may be under-insured. About 2 minutes.
We fill in your home's details from county records and FEMA's flood map. Or skip it and fill them in yourself.
Your checkup
Rebuild cost
(To check)Rebuilding your home could cost more or less than it's worth. Your agent will estimate your rebuild cost in your quote.
A rebuild cost isn't what your home is worth. It leaves out the land and is only the cost to rebuild, so it can be higher or lower than your home's value. Virginia's insurance regulator suggests a dwelling limit of at least 80% of your home's replacement cost.1 Renovated or upgraded? Your agent will adjust it with you.
Flood
(To check)Not sure of your flood zone? Enter your address above and we'll look it up on FEMA's flood map, or your agent will check it in your quote.
Wind deductible
(To check)Check your declarations page for a separate wind or hurricane deductible. It is often a percentage of your dwelling limit.2
Liability
(To check)Pick your home policy's liability limit to check it.
Auto limits
(To check)Pick your auto liability limits to check them, or "No car".
Umbrella
(To check)Do you have an umbrella policy? It adds liability coverage above your home & auto limits.
Not a quote. Dollar figures here come only from the numbers you entered and your county's assessment. Your agent estimates your rebuild cost in your quote.
Get a free quoteFree · about 3 minutes. We'll go through each of these with you. Your agent compares 20 carriers. Clients save 20% on average.
Sources
- Virginia State Corporation Commission, Bureau of Insurance: Virginia Homeowners Insurance Guide (dwelling limit of at least 80% of replacement cost; flood not covered by homeowners policies; liability limits of $300,000 or $500,000; percentage wind deductibles).
- North Carolina Department of Insurance: Windstorm and Hail (wind and named-storm deductibles are a percentage of your dwelling (Coverage A) limit).
- FEMA: Flood Map Service Center (the flood zone for your address, from the National Flood Hazard Layer).
- Virginia State Corporation Commission, Bureau of Insurance: Virginia Auto Insurance Guide ("You should buy more than the minimum limits required by law.").
The checkup is general and for education only. It isn't a quote or coverage advice for your policy; your policy's terms govern, and coverage varies by carrier and state.
Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org
How much home insurance do I need?
Enough to rebuild your home, to cover what you could owe someone else, and a deductible you could pay tomorrow. Here is what each part of a homeowners policy is for, and how the checkup looks at it.
How much dwelling coverage do I need?
Enough to rebuild your home, not what it would sell for. A rebuild cost leaves out the land and can be higher or lower than your home's value. Virginia's Bureau of Insurance suggests a dwelling limit of at least 80% of your home's replacement cost, and to ask your agent if you don't have a recent appraisal. Your agent estimates your rebuild cost in your quote.
Is my county assessment my rebuild cost?
No. The county splits your property's assessed value into the building and the land, which is a useful reminder that land doesn't need rebuilding. But an assessment is a tax figure: assessed values often differ from what it would cost to rebuild.
How much liability coverage should I carry?
Enough to protect your savings and home equity. Many of our clients choose $300,000 or more, and add an umbrella policy for extra protection. Virginia's Bureau of Insurance suggests asking about the difference in price between a $100,000 limit and $300,000 or $500,000.
Is flood damage covered by homeowners insurance?
No. Standard homeowners policies exclude flood. Flood insurance is a separate policy, and may be required if your home is in a flood zone. The checkup looks up your flood zone on FEMA's flood map.
What is a wind or hurricane deductible?
Some policies have a separate deductible for wind or hurricane damage, written as a percentage of your dwelling limit. A 2% wind deductible on a $250,000 dwelling limit is $5,000 out of pocket on a wind claim. Enter yours and the checkup shows it in dollars.