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Frequently asked questions

Can I adjust my homeowners insurance coverages?

Yes, to an extent.

For the dwelling itself, your limit is calculated by the insurance provider and based on the Replacement Cost Estimate of your home. If you feel that the amount is too low, it’s recommended that you request to see the RCE ordered by the insurance provider to ensure your property details are correct.

Regardless, you can still request that your insurance agent increase this amount.

You typically will not have the option to decrease your dwelling amount as the amount presented is already the minimum amount the insurance carrier is able to underwrite for.

For Other Structures (Cov B) and Personal Property (Cov C), these amounts are based on a certain percentage (depending on the carrier) of your dwelling limit. So, these can be increased, but not decreased or removed.

Finally, for Personal Liability coverage, you can increase or decrease this coverage based on your personal preference. This amount typically ranges between $100,000 to $1,000,000. We recommend speaking to a licensed insurance agent to make an informed decision about what the right liability coverage is for your unique circumstances. Regardless of who your current insurer is, Better Cover’s agents are always happy to help.

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    © 2021 Better Holdco, Inc. and/or its affiliates. Better is a family of companies. Better Mortgage Corporation provides home loans; Better Real Estate, LLC provides real estate services; Better Cover, LLC provides homeowners insurance policies; and Better Settlement Services provides title insurance services. All rights reserved.

    Home lending products offered by Better Mortgage Corporation. Better Mortgage Corporation is a direct lender. NMLS #330511. 3 World Trade Center, 175 Greenwich Street, 59th Floor, New York, NY 10007. Loans made or arranged pursuant to a California Finance Lenders Law License. Not available in all states. Equal Housing Lender. NMLS Consumer Access

    Better Real Estate, LLC dba BRE, Better Home Services, BRE Services, LLC and Better Real Estate is a licensed real estate brokerage and maintains its corporate headquarters at 3 World Trade Center, 175 Greenwich Street, 59th Floor, New York, NY 10007. A full listing of Better Real Estate, LLC’s license numbers may be found here. Equal Housing Opportunity. All rights reserved.

    Better Settlement Services, LLC. 3 World Trade Center, 175 Greenwich Street, 59th Floor, New York, NY 10007

    Homeowners insurance policies are offered through Better Cover, LLC, a Pennsylvania Resident Producer Agency. License #881593. 3 World Trade Center, 175 Greenwich Street, 59th Floor, New York, NY 10007

    Better Mortgage Corporation, Better Real Estate, LLC, Better Settlement Services, LLC and Better Cover, LLC are separate operating subsidiaries of Better Holdco, Inc. Each company is a separate legal entity operated and managed through its own management and governance structure as required by its state of incorporation, and applicable and legal and regulatory requirements. Products not available in all states.

    The Better Home Logo is Registered in the U.S. Patent and Trademark Office

    Better Cover is Registered in the U.S. Patent and Trademark Office