Total Insured Value (TIV)

The full value of everything insured at a location — building, contents, and business income combined. The number underwriters build catastrophe models on.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.