So remember, you should be insuring your home with the cleanup and rebuilding costs in mind, plus the value of all of the property within. Your insurance provider’s coverage recommendation may be very different than the home’s market value
, but that is totally normal – your insurance provider is just making sure that you will be fully covered, even in the worst case scenario. If you aren’t fully covered in the case of a total loss, you could find yourself paying for some of the repairs out of pocket, and that can get very expensive very quickly.