> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Underinsurance

> What underinsurance means on a home or auto policy, how a coverage limit lower than actual replacement cost leaves you exposed, and how to review your limits.

**Underinsurance** means your coverage limit is lower than what a claim would actually cost. The most common homeowners mistake is insuring for market value instead of rebuild cost.

Rebuild cost is almost always different from what Zillow shows. Review dwelling limits every renewal.

## Related terms

* [Dwelling coverage](/learn/dwelling-coverage)
* [Guaranteed replacement cost](/learn/guaranteed-replacement-cost)
* [Homeowners insurance](/learn/homeowners-insurance)

## Further reading

* [NAIC — Consumer insurance resources](https://content.naic.org/consumer)

These are independent consumer-education sources. Coverage details vary by state and carrier.

## Get a quote

Ready for coverage? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=underinsurance)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=underinsurance)


## Related topics

- [Dwelling coverage](/learn/dwelling-coverage.md)
- [Guaranteed replacement cost](/learn/guaranteed-replacement-cost.md)