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Reply to "Home insurance policy vs. what your house is actually worth"
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[quote=Anonymous]How do these typically compare? We bought our house last year for $800k. It's a small but updated ranch with a finished basement. Our insurance policy "dwelling" (rebuild I guess) limit is only $475k because that is what they deemed this structure to be worth, but in an area like this that is so expensive, am I correct in believing that no one will build you a livable house for that little amount of money? FWIW, according to the county tax assessment our house is worth $435k (the land value making up the rest of the $800k).[/quote]
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