WI Home Valuation Tips for Home Insurance | How Much is My Home Worth?

The most important aspect of homeowners insurance is making sure you have it insured properly. Your home should be insured for 100 percent of its replacement value, which means you are able to rebuild your home completely if you experience a total loss. Following are factors that influence your home's value;

Property Items
• Year Built
• Style of Construction (ie; split level or ranch)
• Number of Stories
• Total Living Area
• Foundation Type
• Built on Slab
• Built with a Basement
• Built with a Combination of Basement and Slab

Interior Items
• Wall Covering (ie; paint, wallpaper, wood paneling, ceramic tile, tongue and groove)
• Ceilings (ie; drywall, textured drywall, tongue and groove, plaster)
• Flooring (ie; hardwood, carpet, ceramic or marble tile, vinyl)
• Kitchen (custom or design features)
• Bathroom (number of bathrooms, custom or design features)

Exterior Finish
• Walls/Types of Materials (ie; wood or vinyl siding, brick, stone)
• Roofing/Type and Grading of Shingles
• Attached Structures (ie; attached garage, built-in garage, open or closed porch, deck, or breeze way)
• Specialty Items (ie; picture window(s), bay window(s), or skylight(s))

Special Features
• Fireplace (wood or gas)
• French Doors
• Hot Tub or Jacuzzi
• Wet Bar
• Spiral Staircase
• Finished Attic
• Central Vacuum
• Vaulted Ceilings

We strongly encourage you to take photographs and/or video of your personal property. An accurate inventory and proof of ownership at the time of a loss can make claim settlement easier and faster. The threat of loss of property from fire, theft, or other causes is always present.

Valuing Your Home