Homeowners don't know how much insurance coverage they actually need

Homeowners struggle to determine the correct amount of homeowners insurance coverage required to protect their property, leading to either underinsurance (leaving them exposed to catastrophic financial loss) or overinsurance (wasting money on unnecessary premiums). Current solutions like online calculators are generic and don't account for individual property specifics, forcing homeowners to rely on insurance agents for personalized guidance, which creates friction and delays in the decision-making process.