Rebuild Costs Moved. Most Policies Did Not — Fast Insurance Group
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Home Insurance

Your home changed. Your policy probably didn't.

Construction and labour costs have moved sharply. A policy written a few years ago may not rebuild what you actually own.

Fast Insurance Group · Consumer Education

HERO IMAGE

Most homeowners insure for what the house cost, not what it would cost to rebuild. Those are different numbers, and they have been drifting apart.

Materials and skilled labour have both risen. A policy written against older figures can leave a gap you would only discover at the worst possible moment — after a loss, when the cheque does not cover the contractor.

Underinsurance is invisible until you claim. That is precisely what makes it worth checking while nothing is wrong.

Three things that move your rate — or your gap

Rebuild cost, not market value. Your coverage should track what a builder would charge to put the house back, which has little to do with what a buyer would pay for it.

Roof age is doing more work than you think. Many carriers price heavily on it, and some limit coverage past a certain age. A roof that crossed a threshold can move your premium without you touching anything.

You are not bundling. If your home and auto sit with different carriers, you are very likely leaving the single largest available discount unused.

RebuildThe figure that should drive coverage, not market value
6Questions it takes to see competing numbers
$0Cost to compare, and no obligation to switch

When it is worth checking

  • You have not re-quoted since you bought the home
  • You replaced the roof, or the roof is over ten years old
  • You renovated, extended, or finished a basement
  • Your home and auto policies are with different carriers
  • You have had no claims in five years and have never been re-rated for it

You may check and find your cover is right. That is a good outcome too. The bad outcome is finding out after a loss.

What we do

Fast Insurance Group is not an insurance company. We are a comparison and referral service: you answer a few questions, we match your profile to licensed carriers and agents who can compete for it, and a licensed specialist calls you. You may first hear from our AI assistant, which identifies itself as an AI assistant and hands you to a human.

You are never obligated to buy anything.

See what your home would cost to insure today.

Six questions. About a minute. No obligation.

LICENSED AGENTS · NO OBLIGATION · TAKES 60 SECONDS

This page is an advertisement for Fast Insurance Group, a licensed insurance referral and marketing service. It is not insurance or legal advice and does not guarantee coverage, eligibility, savings, or any particular rate. Figures shown are illustrative and describe general industry practice. Actual quotes come solely from the licensed carriers and agents who contact you and are subject to their own underwriting. Fast Insurance Group is compensated by its partners when it refers a consumer, which may influence which partners receive your information. See our Terms of Use and Privacy Policy.