Should I over-insure or under-insure? PDF Print E-mail
Real Estate Self Help - Home Insurance When Buying Property In Singapore
Should I over-insure or under-insure?

Generally, it would be better to over-insure than under-insure. This is because some insurance companies penalize owners for under-insuring. Moreover, it makes sense to over-insure by about 5-20% of the potential costs reconstruction as one tends to add new the contents to a home.
 
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