Home Security You will need enough homeowners insurance coverage to cover the cost to completely rebuild your home in the unlikely event it is destroyed and to pay for your living expenses while it is under construction. (netquote.com)
You should make sure the policy covers the value of the property and contents in the event they are destroyed by fire or storm. (mortgage-x.com)
Dwelling coverage protects the structure of your home in the event it is destroyed or damaged in a covered peril. (homeinsurance.com)