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# Is My House Insured for What It's Worth on the Market?

🛑 Short answer: Nope!

Your **home insurance doesn't cover the market value** of your property — it covers the **cost to rebuild** your home after a covered loss (like a fire or major storm). That means:

🏗️ It pays for **construction, demolition, cleanup**, and other rebuilding expenses.  
🌍 It doesn’t include the **value of the land** your house is on (because that doesn’t burn down).

So, while your home's market price might go up or down, your insurance is focused on what it takes to **rebuild your space**, not sell it.