California E&S Insurance

Home insurance dwelling coverage amount I'm looking for insight about home insurance to be sure that we're covered appropriately. Our home is a townhome style (3 stories, side-by-side) in a condo development (we own an individual interest in the common area / building). I understand that the HOA is responsible for the exterior structure, such as the roof and exterior walls, and homeowners are responsible for everything else, such as interior walls, floors, cabinetry, HVAC, electrical, plumbing, appliances, finishes, furnishings, etc. Our unit is about 1,700 square feet and was built in 2021. We live in Southern California, though thankfully in an area at relatively lower risk of floods, fires, and earthquakes. Homes like ours in our neighborhood have recently sold for above $850,000. Our current coverages are $211,000 for the dwelling; $50,000 for personal property; $52,500 for loss of use; and $100,000 for personal liability. Among these, the dwelling coverage seems really low at only $211,000. An insurance representative described to me that the dwelling coverage amount is for estimated construction costs rather than the home value. Exterior walls and roofs are covered by the HOA and the property (land) cost isn't a factor. Even with this, though, $211,000 seems very low in case of total loss or even major damage. Is that really enough to reconstruct here after major damage? What if it were a total loss, or we needed to purchase another home? In a worse case scenario, how much coverage would we really need in order to make us whole? Disclaimer that all of us in SoCal are thinking of the many people who recently lost their homes to fires. We also happen to have just received our insurance renewal notice.

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  "title": "Home insurance dwelling coverage amount",
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