Talk to your Insurance Professional about the location of the house and about the particulars of the structure. Ask them to complete a Reconstruction Analysis for the dwelling. They’ll need to know the size and style of the building along with any special or particular features including fire places, alarm systems, HVAV systems etc. If the roof has been replaced, knowing when is important because there may be discopunts available. Likewise, discounts may be available for upgraded electrical, plumbing or HVAC systems.