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About Your Home Insurance Policy. Are You Completely Covered?

Your home insurance policy may not cover the entire cost of replacing your home and its contents if they are destroyed. The policy that guaranteed the full replacement of these items was called a Guaranteed-Replacement Policy. This policy has been replaced by a new one, which most Americans now have. The new policy is called an Extended-Replacement Policy. If you have this policy, your insurance will not cover the entire cost of replacing your home and its contents in the event of their loss. Be sure to contact your insurance agent to verify that you will be fully protected after a tragedy, or contact me if you have any questions.