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Insure your house, not the land
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Your homeowner's policy will probably advise that you have sufficient replacement coverage on your home. In fact, your mortgage company will probably insist on it, so you can't really cut back on that. This means that the insurance will cover the cost to rebuild your house if something should happen to it. However, if you don't really think something is going to happen to your land, you might not need to insure that too. Check your policy to see if you are paying for something you might not need.