How do you get total replacement cost on home insurance claim?

Answer 1

It depends on the policy you have with the insurance company. Replacement cost phrasing should include 20% or so over the value of the home. Closely question the agent about the contents--like cabinets, appliances, fixtures and so on should the home become a total loss.

Answer 2

Just upgrade your exiting policy. Phone your insurance agent and tell them you would like to add replacement coverage to your policy for future losses. The coverage will not however be retroactive as you need to have the coverage at the time of loss.

Bear in mind though that replacement coverage will usually cost more because your getting more coverage. If the agent or company does not offer replacement coverage you may need to seek coverage elsewhere.