Protect the Equity in your home.
If your home burned down tomorrow, chances are very good you wouldn’t get enough money from your insurance company to replace it.

Insurance Policies Cover Less than in the Past.
In the past five years, the vast majority of insurers have significantly modified their replacement cost policies.

Construction Costs Outpace Replacement Cost.
The cost of rebuilding a home rises every year. When you enhance your home, it doesn’t automatically get covered by your insurance policy.

		Many insurers are saying that "it's the homeowner’s responsibility to be insured properly. Unfortunately, thousands of homeowners every year experience the significant financial burden of being underinsured at the very worst of times.
		Insure the house, not the land -- or the mortgage. The price you paid for your home, the amount it’s worth now and the mortgage you’re carrying are all pretty much irrelevant when it comes to determining how much insurance you should have. What you really need to know is how much it will cost to rebuild your house.
		Physical home inspections cost as much as $500 and can take days to complete. A Better Solution Is Needed.
		The older your home, the more it will cost to bring it up to current codes -- and those costs typically aren’t covered in the standard replacement policy being sold to most homeowners. For less than the cost of a nice dinner, you can protect your home.

Bluebook has been providing property replacement cost information to the insurance industry for over forty years. This same information is now being provided directly to you.