Nobody wants to think of having to start again in their home. As a result, having an adequate amount of home covering is essential. The cost of re-building your home is directly proportionate to the amount of dwelling coverage you have in place. The greater the amount of insurance you have on your property, the more money you'll need to replace it. If your home is damaged or destroyed by a covered risk, such as a fire, your first action should be to make a claim with your homeowners insurance company. According on the type of insurance policy you have, an adjuster will come to your home to evaluate the damage and determine how much money you are entitled to as a result. But it's important to remember that the worth of your property after it has been totally rebuilt may be different from the cost of completely reconstructing it.