Chapter Overview: How Underinsurance Really Happens
Most homeowners do not set out to be underinsured. Coverage gaps usually develop quietly as homes change, costs rise, and policies renew year after year without much review. This chapter explains how underinsurance actually happens, why it is so common, and how to think about insurance in a clearer and less stressful way before diving into specific coverage details.
RallyBack Articles in this Chapter
What Underinsured Really Means
Being underinsured does not mean you lack insurance altogether. This article explains what underinsurance actually looks like in real life and why it often only becomes visible once a Claim is already in motion.
Why Insurance Feels Hard to Understand
Insurance policies are full of unfamiliar language and layered rules that can feel overwhelming. This article explores why insurance is structured this way and how that complexity makes it easier for coverage gaps to form over time.
The Coverage Buckets That Matter Most
Homeowners policies are made up of several distinct coverage areas that serve very different purposes. This article introduces the major coverage buckets and explains why evaluating them separately leads to clearer and more accurate decisions.
Why Market Value Is the Wrong Reference Point
It is common to assume insurance should track the value of your home. This article explains why market value and rebuild cost are fundamentally different and how relying on the wrong reference point can quietly lead to underinsurance.
.webp)
How Life Changes Quietly Create Gaps
Homes and lives rarely stay static for long. This article looks at how renovations, new belongings, lifestyle shifts, and rising costs can slowly push coverage out of alignment without any single obvious warning sign.
Learn More
If you have ever wondered how coverage that once felt adequate could quietly fall behind, you are not alone. The next article explains what underinsured really means and why it is far more common than most homeowners expect.
“Turn the page” to begin.