which home insurance companies tender a full replacement policy instead of the usual actual brass advantage policy?
this is for home insurance in New York
Answers:
Most companies submission an endorsement for extended replacment cost which will cover for replacment up to a definite percentage above the stated amount for the dwelling. Erie offers a "Guaranteed" replacement cost. The knob to any of these policies is to make sure your stated amount on the policy is a close estimate to current replacement cost (it change with inflation, labor and materials cost). Most policies include a co-insurance clause which states they will single pay full replacement if the policy holder have insured their home within a unshakable percentage (80 or 90%) of the actual replacement cost. Remember too that replacement cost does not include the value of your home. If something happens to your home, the territory will still be there.
Other Answers:
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