Insurance TLC for your historic home

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You may find an older home appealing because of its size, grandeur and location. But before you leap into the refurbishing trend, look at how older homes can present challenges that could increase your insurance costs. After World War II, tract homes became the norm as the construction industry standardized materials and techniques. As a result, features found in homes constructed before 1945 became “custom.”


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7 factors to help nail down your home’s reconstruction cost

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“I could never sell my house for that!” How many times have we heard this said or even said it ourselves? It’s easy to experience sticker shock when we see the value our insurance company wants to place on our home. Calculating replacement cost  ̶  or more accurately, reconstruction cost  ̶  is often a complicated process, and results can deviate widely from market price. It’s not unusual for rebuilding costs to be significantly higher than the cost of new construction.


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Your home inventory: How to get started

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Second of two parts So you know why you need a home inventory, but where to start? There are several tools available to help you document your home inventory. The National Association of Insurance Commissioners has a free app called MyHOME Scr.APP.book to electronically store home inventory room by room, including photos, descriptions and purchase information. Apple® or Android® users can visit the iTunes® Store or Android® Market and search for NAIC. Those without a tablet or smartphone will find a downloadable home inventory list with appliances, electronics, furniture and[.....]


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