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When seeking home owners insurance, nothing is more important than your home, and all that it holds. While in the process of weeding out the best policy you must be prepared for what is to come as well as the final goal.

First things first identify the cost rebuilding your home.  Your home owners insurance should cover the replacement cost should you have to rebuild.  You can start by determining the median for local building expenses as they apply to the size your home, the quality of construction, as well as the style.  The most assured a way to identify this cost would be a crude hack a local contractor or home builder.  Often for a flat fee they can identify the cost for you.  While discussing your home with this contractor make clear any antique…