You bought your home for $300,000, but when you look at your homeowner's insurance policy, you see that the dwelling is insured for $375,000. Naturally, your first question might be: Why am I insuring my house for more than it's worth? The answer comes down to an important difference between what your home is worth on the real estate market and what it could cost to rebuild it. Those two numbers aren't always the same, and your homeowner's insurance generally isn't based on w