Jason Wright Agency

08/13/2026

Should I insure my house for what it's worth on the real estate market?

It's a common question, but market value and replacement cost are two very different things.

Your home's market value is what a buyer might be willing to pay for it. That value can change considerably based on supply and demand, mortgage interest rates, the local housing market, and the overall economy. Market value also includes the land.

Home insurance, however, should generally be based on replacement cost—the estimated cost to rebuild your house after a covered total loss.

That means considering today's cost of construction materials, labor, and other expenses involved in rebuilding the home.

Your house could sell for $500,000 but cost $400,000 to rebuild. Another house might sell for $400,000 but cost $500,000 to rebuild. That's why simply using the purchase price, tax value, appraisal, or current market value isn't necessarily the right way to determine how much insurance you need.

The goal is to insure the home based on what it would actually cost to rebuild today, regardless of what is happening in the real estate market or broader economy.

Have questions about how your home's replacement cost is calculated? Jason Wright Agency can review it with you with no obligation to purchase.

06/09/2026

Summer is right around the corner. Prepare your yard now by following these lawn mowing safety tips to help protect you and your family.

Summer is right around the corner. Prepare your yard now by following these lawn mowing safety tips to help protect you and your family.

06/08/2026

Get a head start on your summer plans by tending to your yard now. Preparation today can help prevent accidents around pools, playsets, and fire pits later.
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06/05/2026

You don’t need insurance experience. You just need someone who does. Get to know us and feel confident in your protection.

05/26/2026

Perfect spring days are made for fresh air and outdoor fun. What activities are you and your family enjoying this season?

05/25/2026

Bike rides, park days, backyard fun. What spring activities are on your calendar?

05/21/2026

Hurricane season is here, and preparation can make all the difference. Review forecasts, secure your home and outdoor items, assemble a survival kit, and plan your evacuation route. The more prepared you are, the faster you can recover and help protect your loved ones and property.

Hurricane season is here, and preparation can make all the difference. Review forecasts, secure your home and outdoor items, assemble a survival kit, and plan your evacuation route. The more prepared you are, the faster you can recover and help protect your loved ones and property. ....

05/19/2026

Hurricane season is here, so now is a great time to check your emergency kit and restock any supplies you’ve used to help stay prepared for whatever comes next.

05/15/2026

Storm damage happens every year, whether its in the Spring when high winds es**rt Winter away, or during Summer when the afternoon and evening thunderstorms make you wonder if the windows will shake right out of the frames. Also every year we hear of people who are contacted by contractors to do the repair work who aren't really looking out for the best interests of the homeowner. Travelers Insurance has put together a resource to help prepare for hiring a contractor when the repair work is needed. I hope you never need this information, but it's good to know, nonetheless.

Learn how to identify and avoid predatory contractors after property damage. Get expert tips, warning signs, and access to Travelers' network of 10,000+ vetted contractors for safe recovery.