A home’s estimated sale price is easy to find, so it can become the number you remember when insurance renews. But a sale includes land and local market conditions. Rebuilding the structure is a different calculation, and your policy’s dwelling limit deserves its own review.

Think about when you last checked the actual coverage rather than simply paying a renewal. Choose the closest time range below. The date does not prove that you are underinsured; it helps identify which records and changes to bring into a useful conversation with your insurer.

When did you last review your home insurance?

Choose the nearest time since you checked the coverage details to find a practical starting point for a policy review.

Within the past year1 to under 3 years ago3+ years agoNever / not sure

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