Are Your Belongings Adequately Insured? Why a Home Inventory Matters Before a Loss
The dwelling limit is not a record of your belongings. Compare Coverage C, replacement value, and special limits before a loss.
replacement pricing
Are You Adequately Insured? What It Would Actually Cost to Rebuild Your Home
Your home’s sale price, mortgage balance, and dwelling limit may say little about what it costs to rebuild. Learn which reconstruction assumptions and policy terms deserve review before renewal.
Actual cash value, replacement cost, and depreciation on a contents claim
The two-payment structure Contents claims are settled in two stages more often than policyholders expect, and the second stage is where money can be left behind. Understanding how actual cash value, replacement cost, and depreciation interact is the difference between collecting the full benefit the policy provides and quietly abandoning part of it. Carriers commonly … Read more