While no one expects for their home to get damaged or destroyed, it is best to be prepared for such an event. And making sure that your homeowners insurance policy does not leave you underinsured is the best way to do that.
Instead of looking at the cost you paid for the home and its contents, look at the replacement costs to come up with a good amount. You can find replacement cost calculators online, and once you get those amounts, see how they stack up to the limits on your policy.
An affordable insurance policy does not have to mean the cheapest one available. Instead, go for the best policy that you can afford to get adequate coverage.
Look for ‘loss of use’ information on your policy to ensure that you are adequately covered in the event of a disaster.
If you are interested in getting more information on homeowners insurance, then get in contact with Idaho Insurance/Affordable Insurance for your insurance needs in Caldwell, Idaho and the surrounding area.