Amazing that insurers are allowed to renew your coverage in a way that is fundamentally different to the previous policy.

They are in a much better position to predict when a home is underinsured, but they are allowed to only tell you if you try to claim.

Maybe we need a facts box that shows the estimated payout for various events and how much the out of pocket is. And it must be redlined on renewals.

This looks like advertising from an insurance company telling people to increase their coverage.