Paano Kalkulahin si Home Insurance

Ano ang Home Insurance?

Home insurance (buildings and contents) protects against structural damage and loss of possessions. Always insure the rebuild cost — not the market value, which includes land.

Pormula

Dwelling coverage (replacement cost) estimates rebuilding home (not land). Liability coverage: typical $100k–$300k. Contents: personal property estimate. Premium = Base rate × Factors (age, claims, location, deductible)

ReplacementCost: Home reconstruction cost estimate (Currency)
LiabilityCoverage: Liability coverage limit (Currency ($100k–$500k))
Deductible: Deductible per claim (Currency ($250–$2,500))
PremiumAnnual: Annual insurance premium (Currency)

Step-by-Step na Gabay

1Buildings: insure rebuild cost (structure and fittings)
2Contents: insure replacement value of possessions
3Typical cost: 0.25–0.5% of insured value per year
4Higher excess/deductible reduces premium

Mga Nalutas na Halimbawa

Input

Rebuild cost $280k, contents $25k, 0.35%

Resulta

Estimated annual premium: ~$1,068

Mga madalas itanong

How much dwelling coverage do I need?

Replacement cost (rebuild, not including land or foundation). Underinsuring leaves you liable. Get appraisal or contractor estimate. Inflation riders adjust coverage annually.

What's the difference between actual cash value and replacement cost?

Actual cash value (ACV): current market value less depreciation. Replacement cost: full rebuild amount. Replacement cost more expensive but better. Old houses prefer ACV (saves premium, risky coverage).

What doesn't homeowners insurance cover?

Floods (separate policy), earthquakes (separate endorsement), maintenance failures (roof rot), sinkholes (varies). Hurricanes often covered. Check exclusions carefully.

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