{"id":767,"date":"2026-10-30T04:00:00","date_gmt":"2026-10-30T10:00:00","guid":{"rendered":"https:\/\/www.oliverinsurance.net\/blog\/?p=767"},"modified":"2026-10-08T14:45:05","modified_gmt":"2026-10-08T20:45:05","slug":"whats-the-80-rule-in-home-insurance","status":"publish","type":"post","link":"https:\/\/www.oliverinsurance.net\/blog\/whats-the-80-rule-in-home-insurance\/","title":{"rendered":"What\u2019s the 80% Rule in Home Insurance?"},"content":{"rendered":"

When you buy a home, it becomes more than just the place where you live. Most homeowners understand they need home insurance to protect that investment. If your home is near Canby, OR, our team at Oliver Insurance encourages you to visit our office to explore your insurance options. We’ve been working with Oregon homeowners like you since 1972.<\/p>\n

What’s the 80% Rule in Home Insurance?<\/h2>\n

When shopping for a home insurance policy, you may wonder how much coverage your house actually needs. Policies can be written at various coverage levels, and many insurance experts recommend the 80% rule, which suggests insuring your home for at least 80% of its total replacement cost.<\/p>\n

Total replacement cost is the full amount required to repair or rebuild your home at today’s market prices. If a property claim is approved, your insurer will pay up to your policy’s coverage limit to repair your home, and you’d be responsible for covering any remaining costs yourself. It’s also worth noting that some mortgage lenders require coverage equal to a specific percentage of your home’s replacement cost.<\/p>\n

Contact Us Today to Schedule Your Appointment<\/h2>\n

Our company is an independent agency, which means we can provide quotes from many different home insurance carriers. Our team at Oliver Insurance will help you sort through those options and choose the policy that best fits your needs. Homeowners near Canby, OR, have placed their trust in us for over 50 years. Give us a call today to schedule your appointment.<\/p>\n

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When you buy a home, it becomes more than just the place where you live. Most homeowners understand they need home insurance to protect that investment. If your home is near Canby, OR, our team at Oliver Insurance encourages you to visit our office to explore your insurance options. We’ve been working with Oregon homeowners […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[6,60,59,23,28],"class_list":["post-767","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-canby","tag-home","tag-insurance","tag-oliver-insurance","tag-or"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t