Home coverage

Getting the right amount of homeowners insurance

MOSES LAKE — For a lot of people, their home is the most valuable thing they’ll ever own. And when you have something valuable, naturally, you want to protect it. But how much homeowners insurance do you need? There’s a common misconception that homeowners insurance is based on the market value of the home. That’s not how it works, say the experts. Rather, it’s based on what it would cost to rebuild or replace what’s damaged...