re: Home Insurance- Dwelling coverage

They have replacement cost estimators and those give a pretty good idea of cost to rebuild. It’s not a perfect comparison but more of an estimate. Def don’t under insure as you’ll get bitten there as noted above, but if I were you I’d add on the replacement cost coverage endorsement to go to either 125, 150 or 200% of replacement cost. Guaranteed replacement cost use to exist but got chopped a few years back. It doesn’t cost a lot and just gives additional piece of mind IMO.