{"id":45,"date":"2026-11-06T09:00:00","date_gmt":"2026-11-06T09:00:00","guid":{"rendered":"https:\/\/www.miginsurance.us\/blog\/?p=45"},"modified":"2026-11-06T09:00:00","modified_gmt":"2026-11-06T09:00:00","slug":"home-insurance-and-market-value-measure-different-things","status":"publish","type":"post","link":"https:\/\/www.miginsurance.us\/blog\/2026\/11\/06\/home-insurance-and-market-value-measure-different-things\/","title":{"rendered":"Home Insurance and Market Value Measure Different Things"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/diana-moinot\/why-your-homes-insurance-coverage-doesnt-match-what-its-worth-on-the-market-remotion-videos-9fe7\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Why doesn&#039;t my home&#039;s market value match my insurance coverage?<\/p>\n<p>It&#039;s a question I often hear from Houston homeowners!<\/p>\n<p>Market value reflects what a buyer might pay, including land and demand.<\/p>\n<p>Replacement cost reflects what it would cost to rebuild your home&#039;s structure at today&#039;s prices, excluding land.<\/p>\n<p>Your rebuilding cost may be higher or lower than market value. Neither automatically means your coverage is incorrect.<\/p>\n<p>Two important coverages to review:<\/p>\n<p>\u2705 Additional Replacement Cost: Helps with rebuilding costs exceeding your dwelling limit.<\/p>\n<p>\u2705 Ordinance or Law: Helps cover required building code upgrades after a covered loss.<\/p>\n<p>These protections aren&#039;t always included automatically. Coverage varies by policy.<\/p>\n<p>As an independent insurance advisor, I help homeowners understand their coverage, identify gaps, and protect what matters most.\u2764\ufe0f<\/p>\n<p>When was your last home insurance review? Let&#039;s connect!<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Why doesn&#039;t my home&#039;s market value match my insurance coverage? It&#039;s a question I often hear from Houston homeowners! Market value reflects what a buyer might pay, including land and demand. Replacement cost reflects what it would cost to rebuild your home&#039;s structure at today&#039;s prices, excluding land. Your rebuilding cost may be higher or [&hellip;]<\/p>\n","protected":false},"author":268,"featured_media":46,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-45","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.miginsurance.us\/blog\/wp-json\/wp\/v2\/posts\/45","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.miginsurance.us\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.miginsurance.us\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.miginsurance.us\/blog\/wp-json\/wp\/v2\/users\/268"}],"replies":[{"embeddable":true,"href":"https:\/\/www.miginsurance.us\/blog\/wp-json\/wp\/v2\/comments?post=45"}],"version-history":[{"count":1,"href":"https:\/\/www.miginsurance.us\/blog\/wp-json\/wp\/v2\/posts\/45\/revisions"}],"predecessor-version":[{"id":47,"href":"https:\/\/www.miginsurance.us\/blog\/wp-json\/wp\/v2\/posts\/45\/revisions\/47"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.miginsurance.us\/blog\/wp-json\/wp\/v2\/media\/46"}],"wp:attachment":[{"href":"https:\/\/www.miginsurance.us\/blog\/wp-json\/wp\/v2\/media?parent=45"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.miginsurance.us\/blog\/wp-json\/wp\/v2\/categories?post=45"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.miginsurance.us\/blog\/wp-json\/wp\/v2\/tags?post=45"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}