which home insurance companies offer a full replacement policy instead of the usual actual cash value policy?
147259
Most companies offer an endorsement for extended replacment cost which will cover for replacment up to a certain percentage above the stated amount for the dwelling.  Erie offers a "Guaranteed" replacement cost.  The key to any of these policies is to make sure your stated amount on the policy is a close estimate to current replacement cost (it changes with inflation, labor and materials cost). Most policies include a co-insurance clause which states they will only pay full replacement if the policy holder has insured their home within a certain percentage (80 or 90%) of the actual replacement cost.  Remember too that replacement cost does not include the value of your land.  If something happens to your home, the land will still be there.
853039
There is a new federal law, but it relates to "janitor insurance" -- life insurance for which the employer was the main beneficiary.\n\nAs for health insurance: you can usually declare one policy "secondary" to another. But you have to take the initiative. I have done that with household cover because I have both homeowners and renters and the renters policy is better. I forced the agent to get a letter from the household company acknowledging that the policy was secondary.\n\nNo reduction in premium, but it avoide the problem of co-insurance, deductibles, absence of new-for-old and other stuff that the forced insurance didn't offer but the renters policy did.\n\nOn health, I have FEHBP (government employee/retiree insurance) so I have to watch out for the same sort of issue, but I haven't had to demand acknowledgment of secondary cover yet. My "other" cover is national health service (UK), and that doesn't count.
1139415
Actually most insurance companies ask if you are purchasing the house now or if you have owned it and if you have owned the property then they will want to know who currently provides coverage on the property.  Its not a good idea to lie about this.  If the mortgage company issued coverage you may be able to use that as your current coverage.  Try here for a list of local agents: http://www.insuremyhouse.com  Most agencies can write a non-preferred policy for a year to re-establish prior insurance and then convert you to a preferred policy.
1120452
I happen to live where they are based, and from the experiences that I have had with them they have been worth it. Please understand that they are a supplemental insurance, meaning that they pay what your "other insurance policy" doesn't cover. If there is something that you don't understand about the policy, call the toll free number and they will be glad to answer any questions you have. I personally know the CEO of the company, and several of my friends, and relatives work there. They have been in business for as long as I can remember, and have billions in assets. They do offer several different policies, so choose only what you think you would need. Also you can ask the sales rep all of the questions that you might have, if they can't answer, then call the toll free number. Hope this helps!!
163524
Find a local agent through InsureMyHouse.com
540328
CALL 800 # TO INSURANCE COMPANY AND ASK.  THEY HAVE A LIST--YOU CAN GET ONE MAILED TO YOU OR LOOK ON THEIR WEB SITE.  THEY CAN TELL YOU DIRECTLY OVER THE PHONE AS WELL.
239695
call your insurance broker. renter's insurance is pretty cheap from my experience.
1021835
1) What is the total about of personal liability coverage?\n2) Is this a replacement cost policy or actual cash value? (replacement is best)\n3) What are the limits of the personal property coverages?  IE Jewelery, guns, negotiable instruments etc...\n4) What is the aggregate personal property coverage?\n5) Specifically what does this policy cover in the event of a loss by theft, fire, water damage (pipe burst), wind, natural disasters such as hurricane etc...\n6) Does this policy cover my personal property anywhere or only what is located in the home? What about a storage bin in the car port or garage?\n7) What is the difference in premium based on differing deductibles?\n\nThat should be a good start.\n\nKevin
224105
I only use 1 site to get all my insurance quotes.  It has every type of insurance there is.  Check it out.  Hope it helps!!
314323
An example of actual cash value would be owning a 10 year old TV.  Lightning fries the TV and the insurance company, after depreciation values the TV at $25.  If you are talking about homeowners or renters insurance in your question make sure you have Replacement Cost.  This means that if you own a 27 inch tv that is 10 years old and it gets fried, the insurance company gives you what it would cost today to buy a 27 inch tv.
1124097
Actually they shouldn't. Homeowners insurance is a funny funny funny little matter with lots of little hidden and unhidden facts.  Even during a natural disaster such as a tornado they are only required to pay for damage done, unless the whole house was blown away or deemed uninhabitable and cannot be repaired at all, then they will only give you a certain amount.  The only way you could have all of your siding replaced and it covered by the insurance company was if you had revised your policy to include full replacement cost on your homes structure for the full house.  Meaning you would be paying a little more for your insurance a month but as in this case if just part of your homes siding  was damaged, the  whole house has a full replacement of siding at todays cost, that's why you always revise your insurance policies to include replacement cost on everything, to allow you to replace what needs to be replaced at todays cost.  People should always revise and state exactly what they want their insurance to replace in exact words.  It costs more but as in this case it's worth it.
250227
One way would be to set yourself up with a General Agent. I use Bisys for this. Go to www.bisysinsurance.com for more info.
51489
I would look for companies that have local agents in your area.  Try here: http://www.insuremyhouse.com\nThey have a directory of local agents.
236191
What kind of insurance are you looking for?
944565
Please!  Like comparing apples to  . . . orangutans.  \n\nBlanket is a PROPERTY option, where you have one limit covering all your "stuff" on a commercial policy, at multiple locations.  It's really good when you shift "stuff" from one location to another - like different stores.  \n\nUmbrella is a LIABILITY policy, which offers an additional amount, in $1,000,000 increments OVER an existing policy, such as general liability or auto policy, if someone sues you for an injury.  \n\nUmbrella policies are straight liability coverage - they will NOT increase your property limits.  \n\nA property policy (with or without blanket endorsement) pays the insured.  A liability policy (such as umbrella) pays a third party.  An insured will NEVER collect under the umbrella policy.
577351
local insurance co in Richmond IN\n\nhttp://worldlifeandaccidentassociation.lbu.com/
589000
you can turn your whole life policy into a "Paid up" policy.  Check with your agent or company, this is easy to do.  Generally, whole life is a rip off and generates lovely commissions for the agent that sold it to you.  Term insurance is much much cheaper and provides a much greater death benefit than whole life.\n\nA downside to group insurance is that it goes away if you leave the job.\n\nAnother option for your policy is to stop paying premiums and let it go on an extended term option.  In other words the cash value will be used up over time paying for your 11,000 in coverage, but the covereage will convert to cheaper term.  Once the cash value is used up the policy will terminate\n\nAnother option for your existing wholelife policy is to cash it in and use some of the proceeds to pay for a greater amount of term insurance depending on your need for additional life insurance.\n\nMost people are underinsured.\n\nGawd insurance is WAY boring.