--- title: Can I choose my own coverage limits for my home? description: Choose adequate coverage limits for your home insurance. Rebuilding costs may exceed market value, so ensure your coverage is sufficient for peace of mind. image: https://blog.concklin.com/hubfs/Imported_Blog_Media/family-housing-happy-parents-with-cute-infant-bab-2021-10-11-16-28-42-utc.jpg --- [Skip to content](https://blog.concklin.com/blog/can-i-choose-my-own-coverage-limits-for-my-home.html#main-content) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) [**Contact Our Team **](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) **[630-268-1600](tel:+16302681600)** **[Contact Our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest)** ****[630-268-1600](tel:+16302681600)**** [![Concklin Logo-1](https://blog.concklin.com/hs-fs/hubfs/Concklin%20Logo-1.png?width=314&height=100&name=Concklin%20Logo-1.png)](https://insurance.concklin.com/) - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) Open main navigation Close main navigation - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- Jul 5, 2022, 12:00:00 AM # Can I choose my own coverage limits for my home? ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://blog.concklin.com/blog/can-i-choose-my-own-coverage-limits-for-my-home.html) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.concklin.com/blog/can-i-choose-my-own-coverage-limits-for-my-home.html) [Twitter icon](https://twitter.com/intent/tweet?url=https://blog.concklin.com/blog/can-i-choose-my-own-coverage-limits-for-my-home.html) [envelope icon](mailto:?body=https://blog.concklin.com/blog/can-i-choose-my-own-coverage-limits-for-my-home.html) Can I choose my own coverage limits for my home? 1:56 Coverage limits are the max amount an insurance policy will pay out in the event of a covered loss. When we are talking about the structure of your home, we are referring to [Dwelling Coverage, or Coverage A](https://blog.concklin.com/blog/what-does-a-homeowners-policy-cover.html) in your [homeowner’s policy](https://insurance.concklin.com/homeowners-insurance). In the event of a complete loss, such as if your home burns down or is hit by a tornado, you’ll want these limits to be high enough to cover the costs of rebuilding your home. There are a few things that go into determining just how much that could cost, including: - Cost of building materials - Local construction costs - Debris removal costs - Improvements to meet updated building codes When these things are taken into consideration your dwelling coverage limits are not likely to match the current market value of your home. In most cases the amount you would get for selling your home is significantly less than the cost to rebuild your home. Costs to rebuild your home can increase even when the market value of your home decreases. This can be a point of frustration for many homeowners because increased costs to rebuild require increased coverage limits – which ultimately means increased homeowners’ insurance premiums. For some, it may be tempting to decrease their coverage limits (and thus their premium costs) to something more in line with the value of their home. However, insurance companies do not negotiate what the required minimum limits of your policy are. Each company has their own method of calculating the cost to rebuild your home which can lead to different amounts being required by different carriers. Yet once they have decided on a number, there is no changing the amount. Luckily there are other was to save on your insurance costs. Many insurance companies offer discounts for paid in full, multipolicy or bundling, installing security or alarm systems, and more. Talk to your insurance advisor today about ways you can save on your insurance. [Homeowners](https://blog.concklin.com/tag/homeowners), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance) ## Related posts [![Male hands on left holding a pen, female hands on right holding a pen. 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WESTMORE MEYERS ROAD, LOMBARD IL 60148 630-268-1600 | [CONCKLIN@CONCKLIN.COM](mailto:concklin@concklin.com) [Privacy Policy](https://insurance.concklin.com/privacy-policy) Copyright © 2026, Concklin Insurance Agency ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Amanda Yaniz", "url" : "https://blog.concklin.com/author/amanda-yaniz" }, "dateModified" : "2024-09-24T14:28:09.051Z", "datePublished" : "2022-07-05T05:00:00.000Z", "headline" : "Can I choose my own coverage limits for my home?", "image" : [ "https://blog.concklin.com/hubfs/Imported_Blog_Media/family-housing-happy-parents-with-cute-infant-bab-2021-10-11-16-28-42-utc.jpg" ], "mainEntityOfPage" : { "@id" : "https://blog.concklin.com/blog/can-i-choose-my-own-coverage-limits-for-my-home.html", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.concklin.com/hubfs/Concklin%20Logo.png" }, "name" : "Concklin Insurance Agency" } } ``` ```json { "@context" : "https://schema.org", "@id" : "https://blog.concklin.com/#website", "@type" : "WebSite", "alternateName" : "Concklin Blog", "description" : "Insurance articles, risk management guidance, business insurance resources, personal insurance tips, cyber liability information, restaurant insurance insights, franchise insurance guidance, and coverage education from Concklin Insurance Agency.", "inLanguage" : "en-US", "name" : "Concklin Insurance Agency Blog", "publisher" : { "@id" : "https://insurance.concklin.com/#organization" }, "url" : "https://blog.concklin.com/" } ``` ```json { "@context" : "https://schema.org", "@id" : "https://blog.concklin.com/#blog", "@type" : "Blog", "description" : "Articles and resources from Concklin Insurance Agency covering business insurance, personal insurance, restaurant insurance, franchise insurance, cyber liability, claims, coverage questions, and risk management.", "inLanguage" : "en-US", "isPartOf" : { "@id" : "https://blog.concklin.com/#website" }, "name" : "Concklin Insurance Agency Blog", "publisher" : { "@id" : "https://insurance.concklin.com/#organization" }, "url" : "https://blog.concklin.com/" } ``` ```json { "@context" : "https://schema.org/", "@id" : "https://concklin.com/blog/can-i-choose-my-own-coverage-limits-for-my-home.html", "@type" : "VideoObject", "author" : { "@type" : "Person", "name" : "Amanda Yaniz" }, "datePublished" : "2022-07-05", "description" : "Coverage limits are the max amount an insurance policy will pay out in the event of a covered loss. 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