Property owners frequently stumble into expensive traps when shopping for homeowners insurance, zeroing in on monthly payments while overlooking what truly matters – actual protection levels. Here’s something most people don’t realize: rebuilding your house after a disaster costs way more than what you paid for it. We’re talking about a 15-30% difference, especially when you factor in today’s labor rates hitting $120-150 per hour for skilled workers. This gap becomes painfully obvious when disaster strikes and homeowners discover their coverage won’t stretch far enough to rebuild properly. The smart approach? Check quotes from at least three different companies every year, because that great deal you got last year might be leaving you vulnerable to serious financial exposure today…