Replacement Cost vs. Actual Cash Value: The Difference That Costs Thousands
Why two policies with the same premium can pay out wildly different amounts after a fire or storm.
| Provider | Avg. Annual Premium | Dwelling Coverage | Best For | |
|---|---|---|---|---|
| Hearthside Mutual | $1,340/yr | Up to $750K | Bundling with auto Editor's Pick | Get Quote |
| Northgate Home | $1,510/yr | Up to $1M | High-value homes | Get Quote |
| Coastal Shield | $1,280/yr | Up to $600K | Flood-prone areas | Get Quote |
| Plainwell Insurance | $1,190/yr | Up to $500K | First-time homeowners | Get Quote |
Premiums shown are national averages and vary by location, home age, and coverage limits. Rates updated June 2026.
Why two policies with the same premium can pay out wildly different amounts after a fire or storm.
Standard policies exclude flooding entirely. Here's how separate flood coverage actually works.
Rebuilding costs, regional risk models, and credit-based insurance scores all move premiums quietly.
The default limit on most policies is lower than what a single lawsuit could cost you.
A higher deductible lowers your premium — but only pays off if you can actually afford the gap.
Answer 6 quick questions and see where your current home policy likely falls short.
Run the Coverage Gap Checker