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Home Owner Insurance

Sep 22, 2012
This is going to sound oppinioned: Never ever tell your insurance company or your agent how much insurance you need on your home. If you do, you could cause your replacement cost provision to be cancelled out. Here is why: Dig into your home owner policy and find the page that states how replacement cost coverage works. It will tell you that you agree to insure your home to within 100%.

Now, for me I would prefer my agent be responsible for that number. If the agent does the calculation and recommendation you are home free and know that your house is properly covered for the right amount! But my tax bill says my home is valued at 100,000. That number of 100,000 is not the replacement or rebuild cost.

Now is a good time to call your insurance agent and ask for a free cost guide. Get a copy of it and study over the cost guide. Check your agent's work, but let your agent make the final decision so the company will support the value.
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1001 Weatherstone Pkwy Ste 440 Woodstock, GA 30188 | Phone: 770-928-9122 | Email Us | Get Map