"Do I have enough coverage to replace my home in the event of a loss?"  "What affects my premium?"  These questions create a need to regularly review your Homeowners Insurance.  Real estate values measure the market value or selling price for a home.  It is important to estimate the current replacement cost which is the amount needed to hire a contractor to repair damage or rebuild the home to its pre-loss condition.  Dwelling replacement costs used by insurance companies do not include the value of the land.  Building contractors or professional appraisers are a good source for obtaining an estimated replacement cost for your home.  Estimates from these sources should reflect you home's specific features and details.  Finally, remember to periodically review your insurance coverages with your agent.  That will ensure you have the coverage you need!