What’s Your Property Worth?

What’s Your¬†Property Worth? How do you establish this value for insurance purposes? Gut feelings aren’t the answer. Following are three terms that are often used interchangeably – and incorrectly so. Understanding these different terms may help establish your property’s value and identify the insurance coverage that’s best for you. Market value¬†is the estimated dollar amount your property would sell for today, including the land it’s... Read Article

What is an Insurance “Floater”?

Do You Need a Policy to Insure Your Special ‘Floater’? Are you a musician? Do you collect art? Is your jewelry of the diamond and pearl variety? If so, you might consider a floater policy to protect your prized electric guitar or great-grandmother’s earrings. Often there are limits to your homeowners insurance policy that will make the coverage insufficient for these types of items. They... Read Article

Deciding Between Replacement Cost and ACV

Do You Need a Policy to Insure Your Special ‘Floater’? Are you a musician? Do you collect art? Is your jewelry of the diamond and pearl variety? If so, you might consider a floater policy to protect your prized electric guitar or great-grandmother’s earrings. Often there are limits to your homeowners insurance policy that will make the coverage insufficient for these types of items. They... Read Article