A lot of home owners ignore getting home owners insurance.<br />Those with policies should read them regularly.<br />Home owners need to know how much your insurance company would reimburse them if their house burned down and it was a total loss.<br />Business Insider reports that most insurance companies require homeowners to carry at least 80% of the replacement cost of the home.<br />But if a home's value has gone up since the last updated policy, owners might be far short of the cash needed to rebuild in the event of a disaster.
