Rebuilding is not the market value
Insurance reconstruction costs reflect labor, materials, architecture, finishes, debris removal, and the conditions of rebuilding after a loss. They can differ substantially from a purchase price or tax assessment.
Details change the coverage conversation
Custom millwork, imported finishes, historic features, pools, detached structures, generators, smart home systems, and extensive landscaping can all affect the review.
Protect more than the structure
Jewelry, art, wine, collectibles, domestic staff exposure, water backup, equipment breakdown, cyber options, and excess liability may deserve separate attention.