Quick coffee break tip: Your home insurance might not cover what it actually costs to rebuild after a disaster, thanks to rising construction prices and climate risks. Many folks only find out they’re short after a fire or storm. Here’s the hack: check your policy’s “replacement cost” (not just what you paid for the house), and make sure it’s enough to rebuild at today’s prices. Don’t let a paperwork gap drain your savings! #RealEstate #HomeInsurance #MoneyHacks