PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Can you over-insure your home?
I’m shopping for home insurance for the first time, and all of these different options are getting overwhelming. I want adequate coverage, but some protections feel extreme or like they’re too much. Can you over-insure your home?
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Evaluating insurance options can be overwhelming. Technically, yes, it’s possible to over-insure your home. Generally speaking, the right amount of coverage is what will protect you, your home, and your belongings from the particular
risks
you might face where you live in addition to what makes you feel secure.For example, for those who want to be prepared for virtually everything, an HO-5 policy(
https://getjerry.com/questions/what-is-an-ho-5-policy
), is the most extensive and expensive type of home insurance. It essentially covers any peril that could cause loss of or damage to your home and property, as long as it’s not specifically listed as an exclusion. Although some might consider this excessive in coverage and cost, others like the peace of mind it offers.The tricky part with insurance is, you don’t always know what coverage you’ll need until an incident happens, and you don’t want to be underinsured when that happens.
When looking for adequate
home insurance
coverage, you can start by asking yourself some of the following questions:- How much would it cost to rebuild a similar home from scratch today?
- What natural disasters often occur in my area?
- What particular risks might my home face down the road?
- What unexpected events do I want protection from?
- How much personal liability protection should I have?
Searching for
home insurance
doesn’t need to be as complicated as it sounds. If you’re looking for assistance with the process, Jerry
can help make it easier!Jerry can help you find homeowners, renters, and car insurance quotes from top insurance companies, like Nationwide, Allstate, and Travelers. For questions that come up along the way, Jerry’s friendly and experienced agents can help clarify and offer advice. To get started on looking for a homeowners insurance policy, you can reach customer service by pressing the Help button in the Jerry app, or by calling 1-833-445-3779.
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies