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Correct Home Insurance Limits Matter

Published August 30, 2023
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This article has been reviewed by licensed insurance industry expert, Moshe Fishman on 8/30/2023

Why Correct Limits on Home Insurance Matter, Even Outside Hurricane Zones


In the world of home insurance, one can't afford to be negligent. Whether you live in a hurricane-prone area or not, the right home insurance policy is a must-have.

The Misconception: Insurance is for "High-Risk" Areas

Many people think that home insurance is only necessary if they're at risk of hurricanes, floods, or other natural disasters. This couldn't be further from the truth.

Importance of Home Insurance for All

Home insurance is about more than just natural disasters. Fires, theft, and liability are risks everyone faces, regardless of their geographic location.

Why Correct Limits are Crucial

Setting the correct limits on your home insurance ensures you’re adequately covered in all scenarios. Opting for lower premiums might seem tempting, but the financial repercussions of being underinsured could be devastating.

Risks You Didn’t Consider

What if your guest slips on your property? What if there's a small fire in the kitchen? Being underinsured can lead to immense out-of-pocket expenses.

How to Choose the Right Limits

Always consider the replacement cost of your home and possessions, not just their current value. Adjust your policy limits accordingly and consult your RELI Exchange agent for personalized advice.


Regardless of whether you live in a hurricane-prone area, proper home insurance coverage with the correct limits is indispensable.

Feel free to consult your RELI Exchange agent for personalized insurance advice tailored to your individual needs.


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