Property Coverage Review
Verify dwelling limits, replacement cost estimates, loss of rent coverage, and named-peril vs. open-peril policy terms for each property.
How Property Coverage Review Works
Select a property and work through dwelling, personal property, and loss-of-income coverage items. Each item includes recommended minimums and tips for verifying your current policy matches replacement cost reality.
- Dwelling coverage: verify limits match current replacement cost, not market value or original purchase price
- Loss of rent / fair rental value: confirm coverage period (6, 12, or 24 months) and per-incident limits
- Named-peril vs. open-peril: understand what your policy excludes and whether you need riders
- Ordinance & law coverage: check if rebuilding to current code is covered after a total loss
Why Property Coverage Matters
Underinsurance is the most common gap in rental portfolios. If your dwelling limit is based on purchase price rather than replacement cost, a total loss could leave you covering the shortfall out of pocket — potentially six figures or more.
- Construction costs have risen 30-40% since 2020 — policies set at purchase may be dangerously low
- Guaranteed replacement cost endorsements eliminate the underinsurance risk entirely
- Loss of rent coverage pays your mortgage while the property is uninhabitable after a covered claim
Sample Output
See what this feature calculates for you.
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Learn more →Ready to Use Property Coverage Review?
Get access to this feature and everything else in Insurance Coverage Analyzer Checklist.