If you want to insure for what is known as “replacement coverage,” you need to keep in mind several different things. The biggest thing is: “how much is it going to cost me to rebuild this home or this building if there’s a total loss?” Your insurance agent can help you determine that: what’s known as cost estimates for construction. What we take into account is square footage, features of the home, site locations, and there’s a couple other items that we take into account, but those are the largest ones. What you want to do is you want to work with your agent, give them as much information about the home as possible so they can come up with an idea of what it cost to rebuild this home if there’s a total loss, fire, tornado, whatever.