Perhaps the most critical item to consider in insuring your house is the Replacement Cost. Some insurers refer to this as Coverage A or Dwelling. Replacement cost can be difficult to determine as it's different than the amount the home would sell for on the market. Don’t set yourself up for a painful misunderstanding in the event of a loss. Always consider the amount of money it would take to rebuild your home, supplies and all, as you determine what coverage is right for you.