so it’s important to accurately estimate how much your belongings are worth. Usually, personal property insurance covers your belongings at a rate of 50-70 percent of your dwelling coverage.

A replacement cost estimate should not include the ... cost or actual cash value for a policy’s personal property section. Home insurance usually covers actual cash value, which factors in ...

That means the same: Dwelling coverage Personal property coverage Liability insurance Deductible Let’s say you request a quote for $500,000 dwelling coverage with 50% personal property coverage ...