Your policy has six limits, not one. Five of them you have probably never looked at, and four are derived from the dwelling limit — so if that is low, they are all low. Compare yours against what a standard policy carries.
Is your dwelling coverage actually enough to rebuild — and what a shortfall costs at claim time.
What homeowners insurance costs in your state, and whether what you pay is out of line.
What a higher deductible really saves, how long it takes to pay off, and what a storm deductible actually costs.
Your renewal jumped and the carrier said 'rates went up.' Here is what is actually driving it, how to tell whether yours outran your state's, and the four levers that genuinely move the number.
Flood and earth movement are excluded from every standard homeowners policy — and the clause that excludes them is written so a wind-and-water loss can be denied entirely. Here is what is out, and what fills each gap.
Non-renewed, cancelled, or declined: read the notice correctly, stop force-placed insurance, fix the reason code on it, and get the house insured again in 30 days.
The exact sequence to run when your house is damaged — mitigation, documentation, the claim call script, the adjuster visit, reading the estimate, and every escalation step in order.