Am I Underinsured? A step by step guide to understanding your home insurance coverage before it matters
Foreword
Insurance is complicated, the language is unfamiliar, and policies tend to renew quietly year after year. Meanwhile, homes change. Costs change. Life changes. Over time, it becomes surprisingly easy for coverage to drift away from reality without anyone noticing.
Underinsurance is rarely about one bad decision. Honestly, it’s usually the result of many reasonable decisions made over time with limited information. To that end, this series of RallyBacks exists to change that dynamic.
The purpose of this guide is not to tell you that your insurance is wrong. It is to help you understand how coverage actually works, where gaps commonly appear, and how to evaluate your policy in a way that feels manageable and grounded. Much like the rest of our guides, you will not be asked to become an insurance expert nor will you be pressured to buy anything or make immediate changes. Instead, you will be guided through the major parts of a homeowners policy in plain language, with real world context and practical examples.
You may discover that some parts of your coverage look solid. You may find areas that deserve a closer look. Both outcomes are normal.
All that said, whether you are reviewing your policy proactively or reflecting after a loss, we are glad you are here. Taking the time to understand your coverage now can make an enormous difference later.
Let’s get started together…