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For more details, seeWhat Does Homeowners Insurance Cover? Optional Amica home insurance coverage Amica has several types of coverage you can add to a standard policy, including: Dwelling replacementthat pays up to 30% above your coverage limit to rebuild or repair your home. ...
State Farm includes extended replacement cost coverage for the structure of your home, providing a cushion in case your dwelling limit isn’t enough to rebuild your house completely. USAA also offers this coverage, but it costs extra. Get more details in our State Farm home insurance review. ...
Additional replacement cost coverage. This provides extra funds if your home is destroyed and the cost to rebuild it is more than your dwelling coverage limit. Extra coverage for jewelry and valuables. You can raise your coverage limits for certain valuable items or put them on a separate policy...
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