Notes from an independent agency. Coverage explainers, industry shifts, and practical guidance from the people writing your policies and shopping the market on your behalf.
Two policies can look identical on price and still pay out thousands of dollars apart after a claim. The difference usually comes down to four words buried in your declarations page: replacement cost or actual cash value.
Read more →Most homeowners policies in storm corridors now use percentage-based wind/hail deductibles. On a $400,000 home, that can mean $8,000 out of pocket before the policy pays a dime. Here's why — and three things you can actually do about it.
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