{"id":49585,"date":"2024-12-20T16:17:12","date_gmt":"2024-12-20T21:17:12","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=49585"},"modified":"2025-12-12T14:49:07","modified_gmt":"2025-12-12T19:49:07","slug":"what-happens-if-your-home-is-overinsured","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/what-happens-if-your-home-is-overinsured","title":{"rendered":"What happens if your home is overinsured"},"content":{"rendered":"\n<p>There\u2019s a chance you could be paying for more <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\/ma\">home insurance<\/a> than you need and not even know it. If that\u2019s the case, you\u2019re probably throwing money down the drain\u2014money that could be spent on something else. So what happens if your home is overinsured? Keep reading to find out.<\/p>\n\n\n\n<a id=\"back-to-top\"><\/a>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#enough\">How much insurance is enough<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#overinsured\">Signs that you&#8217;re overinsured<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#premium\">Other ways to lower your premium<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#help\">Umbrella insurance can help<\/a><\/span><\/li><\/ul><\/div>\n\n\n\n<a id=\"enough\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">How much insurance is enough<\/h2>\n\n\n\n<p>Deciding on the proper amount of homeowners insurance coverage isn\u2019t as daunting as it sounds. The best way to start is to determine the amount of <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-is-dwelling-insurance\">Dwelling coverage<\/a> you need. Dwelling coverage protects you against damage to the physical structure of your home, as well as attached structures like a garage.<\/p>\n\n\n\n<p>You typically should have enough Dwelling coverage to rebuild your home from scratch in case it is completely destroyed. Your home\u2019s location, size, age and features all impact how much coverage you need. A potential way to determine that amount is to speak with your independent insurance agent or a local builder.<\/p>\n\n\n\n<p>Once you\u2019ve established the proper Dwelling amount, that number will automatically serve as the basis for other coverage amounts. For example:<\/p>\n\n\n\n<div style=\"border:1px solid #0078D6; margin-bottom:15px; margin-top:15px;\"><table style=\"margin-bottom:0px; font-size:1.125rem;\"><tr><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 15px; text-align: left; width:33%;\"><strong>Coverage Type<\/strong><\/td><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 10px; text-align: left; width:33%;\"><strong>Typical Coverage Limit <\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; vertical-align:top;\">Personal Property<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; vertical-align:top;\">50% to 70% of Dwelling amount<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Other Structures<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">10% of Dwelling amount<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Loss of Use<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">20% to 40% of Dwelling amount<\/td><\/tr>\n\n<\/table><\/div>\n\n\n\n<p>Keep in mind, if you need more coverage, you can seek to adjust your policy limits or add optional coverages.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:5px 0px 0px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"overinsured\"><\/a><h2 style=\"margin-bottom:0px; margin-top:10px;\">Signs that you&#8217;re overinsured<\/h2>\n\n\n\n<p>Of course, having ample homeowners insurance is a good way to protect your property if disaster strikes. However, it&#8217;s possible to have more insurance than you really need. That\u2019s called being overinsured.<\/p>\n\n\n\n<p>How do you know if you\u2019re overinsured? Here are three things to look for:&nbsp;&nbsp;<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Excessive policy limits<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Unnecessary optional coverages<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Overlapping insurance policies<\/span><\/li><\/ul><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Your policy limits are excessive<\/strong><\/h3>\n\n\n\n<p>Generally speaking, it is important that you base your Dwelling coverage amount on your <a href=\"https:\/\/www.plymouthrock.com\/resources\/things-you-should-know-about-homeowners-insurance\">home\u2019s replacement cost<\/a>, not its market value. Here\u2019s the difference:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<table style=\"margin-bottom:0px; display: inline-block;\n    vertical-align: top;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 15px 15px; text-align: center; font-size:16px;\"><strong>Replacement Cost<\/strong><\/td><\/tr>\n\n<tr><td class=\"resources-column-height\" style=\"font-size:16px; line-height:21px; height:100px; padding:20px;\"><ul style=\"padding-inline-start: 10px;\"><li>The cost to rebuild your house from scratch in the event it is destroyed<\/li><li>Does not include the land your house sits on<\/li><\/ul><\/td><\/tr>\n<\/table>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<table style=\"margin-bottom:0px; display: inline-block;\n    vertical-align: top;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 15px 15px; text-align: center; font-size:16px;\"><strong>Market Value<\/strong><\/td><\/tr>\n\n<tr><td class=\"resources-column-height\" style=\"font-size:16px; line-height:21px; height:100px; padding:20px;\"><ul style=\"padding-inline-start: 10px;\"><li>The amount your home is worth if you choose to sell it<\/li><li>Includes the land your house sits on<\/li><\/ul><br \/><\/td><\/tr>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n<p>Ordinarily, your home\u2019s market value will be higher than its replacement value. Therefore, if you base your Dwelling coverage amount on the market value, you could end up with too much insurance\u2014and an inflated premium.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>You have unnecessary optional coverages<\/strong><\/h3>\n\n\n\n<p>Another sign that you may be overinsured is if you have an optional coverage that you likely won\u2019t need. For instance, if you live in a low-risk flood area, it may not be worth the added cost to have a separate <a href=\"https:\/\/www.plymouthrock.com\/insurance\/flood\">flood insurance<\/a> policy. Remember, coverage amounts should be based on need.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>You have overlapping insurance policies<\/strong><\/h3>\n\n\n\n<p>You might find yourself with overlapping coverage if you <a href=\"https:\/\/www.plymouthrock.com\/resources\/how-to-change-homeowners-insurance\">switch homeowners insurance companies<\/a> before your old coverage ends. The key is remembering to instruct your old carrier to cancel the prior home policy once your new policy is in place; if you don\u2019t, they will automatically renew the policy. Obviously, having two homeowners insurance policies that cover the same property leads to wasted money\u2014so cancel your original policy when switching.<\/p>\n\n\n\n<a id=\"premium\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">Other ways to lower your premium<\/h2>\n\n\n\n<p>If you\u2019re an over-insured homeowner, you\u2019re probably paying too much for your home insurance. Fortunately, you might be able to lower your premium by making sure you have the right Dwelling coverage amount and removing any unnecessary or redundant coverages. But why stop there?<\/p>\n\n\n\n<p>Here are some other ways to reduce your home insurance premium:<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>Potential ways to lower premium<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Compare quotes<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Raise your deductible<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Take advantage of discounts<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Bundle your insurance<\/span><\/li><\/ul><\/div>\n\n\n\n<p><strong>Compare quotes<\/strong> \u2013 Maybe the best way to lower your home insurance rate is to <a href=\"https:\/\/www.plymouthrock.com\/resources\/compare-home-insurance-quotes\">compare quotes<\/a> from multiple carriers. Try shopping around annually right before your policy renews. You can get quotes online or through an insurance agent.<\/p>\n\n\n\n<p><strong>Raise your deductible<\/strong> \u2013 An easy way to lower your homeowners insurance premium is to raise your&nbsp;<a href=\"https:\/\/www.plymouthrock.com\/resources\/things-you-should-know-about-homeowners-insurance\">deductible<\/a>. Smart homeowners explore this option. Not surprisingly, more and more people are raising their insurance deductible every year.<\/p>\n\n\n\n<p><strong>Take advantage of discounts<\/strong> \u2013 Insurance carriers offer a&nbsp;<a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\/discounts-benefits\">variety of discounts<\/a>&nbsp;to help you lower the cost of your home insurance policy premium. For example, you could save if you choose paperless billing or if your home is equipped with internet-connected devices that alert you in case of theft, fire or&nbsp;<a href=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-plumbing\">water damage<\/a>.<\/p>\n\n\n\n<p><strong>Bundle your insurance<\/strong> \u2013 Bundling refers to buying home and auto insurance from the same insurance carrier. Most carriers will offer customers a discount if they bundle. It\u2019s another simple way to potentially&nbsp;<a href=\"https:\/\/www.plymouthrock.com\/resources\/why-are-home-insurance-rates-going-up\">lower your insurance premium<\/a>.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:5px 0px 0px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"help\"><\/a><h2 style=\"margin-bottom:0px; margin-top:15px;\">Umbrella insurance can help<\/h2>\n\n\n\n<p>To make sure you\u2019re adequately covered without being over-insured, you may want to get an <a href=\"https:\/\/www.plymouthrock.com\/insurance\/umbrella\">umbrella insurance policy<\/a>. Umbrella insurance provides additional liability coverage for your homeowners or auto policy.<\/p>\n\n\n\n<p>Generally speaking, insurance companies require that you have a minimum of $300,000 in liability coverage on your home insurance policy before you can purchase umbrella coverage.<\/p>\n\n\n\n<p>Umbrella coverage kicks in after you\u2019ve reached your liability coverage limits on your main policy. For example, let\u2019s say you or a family member is responsible for an accident that causes $500,000 in damages to someone else. In this case, your home insurance could pay up to $300,000 in liability, and then your umbrella insurance could pay the additional $200,000.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>How much does umbrella insurance cost?<\/strong><\/h3>\n\n\n\n<p>If you\u2019re uneasy about your liability coverage limits, an umbrella insurance policy can give you additional protection at minimal cost. Depending on your insurance company, an umbrella policy that gives you $1 million of coverage may cost you an additional $200 to $400 a year\u2014or about $1 a day.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Having too much homeowners insurance can be costly. Find out if your home is overinsured and what you can do about it.<\/p>\n","protected":false},"author":6,"featured_media":49576,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[72],"state":[79,83,80,81,82,84],"class_list":["post-49585","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-home","state-ct","state-ma","state-nh","state-nj","state-ny","state-pa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What happens if your home is overinsured | Plymouth Rock<\/title>\n<meta name=\"description\" content=\"Having too much homeowners insurance can be costly. 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