我真的需要多少家庭保險？
我真的需要多少家庭保險？
 That is a great question! Your question is a really good one, as it really speaks to the balance of affordability and adequately covered. Your insurer will have a program that estimates the value of your belongings. If you own an expensive collection, or have high end electronics or jewelry, that value may not be covered. Take some time and research what the value of those items are, if that is the case for you. Find out what it would cost to replace it, or if you have the receipts, what you paid. Contact some local builders, and find out what it would cost to build a home like yours Do not include the cost of the land, unless it's landscaped, or forested). Compare those amounts with what you have for your coverage. If the opposite is true, and you haven't got a lot of stuff, go low, and increase your coverage as you add to your belongings. I hope that helps - thanks for asking!
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