WHAT IS COVERED BY HOMEOWNERS INSURANCE?
Commonly called “other structures coverage,” most homeowners insurance helps pay for structures on your property that are not attached to your homes, such as sheds, detached garages, and fences.
HOW MUCH HOMEOWNERS INSURANCE COVERAGE DO I NEED FOR FIRES?
Choosing Your Personal Property Coverage Limit
Choosing Your Limit for Dwelling Coverage
The cost of rebuilding after a fire may not be equal to the price you paid for your home, as construction costs and home values fluctuate. It’s important to consider what it may cost to rebuild or repair your home at current rates, the III says.