Why are so many Johns Creek homeowners underinsured on their dwelling coverage?

Johns Creek homeowners regularly carry dwelling coverage that reflects what they paid for their home, not what it would cost to rebuild. The median Johns Creek home value has risen significantly, and rebuild costs have risen even faster. Construction labor costs in Fulton County are among the highest in Georgia. On a $600,000 Johns Creek home, the gap between an outdated dwelling limit and current rebuild cost can exceed $150,000. We run a replacement cost estimator on every Johns Creek homeowners review and flag any gap before it becomes a problem at claim time.