Don’t be surprised by the cost to rebuild your home

An inspection is one way to account for special features in your home.

Many people don’t know where to start to estimate home value when purchasing homeowner insurance. For some, the first instinct may be to insure the home based on mortgage value. Others may look at real estate market value, property tax basis or some other factor. But any of these values could be far less than the actual cost to rebuild, and that is the key consideration when buying insurance to protect against a loss. There is no way to guarantee the cost to reconstruct your home in the event of[…..]


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Of cars, choices, consumption and crashes

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December is National Impaired Driving Prevention Month, and traffic safety organizations around the country are stepping up advertising to remind citizens of the hazards of drinking and driving. In 2011, a person died every 53 minutes from a motor vehicle crash that involved an alcohol-impaired driver, totaling 9,878 deaths in the United States. These preventable accidents cost each adult in the United States approximately $500 per year for a total of $132 billion, according to the National Highway Traffic Safety Commission.


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