确定你的房主
pp王者电子官网
coverage
从市场价值到重置成本, you’ve got a lot to consider when determining the right coverage amount for your home.
Consider insuring your home for at least 100% of estimated 重置成本
除非你是诺查丹玛斯, it’s impossible to predict what the exact cost will be to replace your home in the future. It’s important to have enough coverage to account for unforeseen circumstances. So, aim to purchase an amount of coverage at least equal to the estimated 重置成本.
市值vs.
重置成本
市值vs. 重置成本
什么是市场价值?
买房人愿意为一所房子支付的金额, 包括土地, regardless of how much it would cost to rebuild the home.
什么是重置成本?
Replacement cost is the cost necessary to repair or replace your entire home. 它不是下列任何一项:
- 房屋的市场价值
- 房屋或土地的初始购买价格
- 任何按揭贷款的未偿还款额
获得房屋价值估计
获得房屋价值估计
Before you purchase a new home, determine the appropriate amount of coverage needed.
- 询问是否有重置成本估算1 is available when you have the home value appraised.
- Consult with your local builder association or a reputable builder for an estimate.
- 与你的 国营农场® agent 来帮助你完成这个过程.
哪些因素会影响你的估计?
- Upgraded bathrooms or kitchens (including cabinets)
- 已完成或部分完成的地下室
- 额外的房间或生活空间
- 定制的模塑或拱形窗户
- 家庭时代
- 其他独特功能
Why review your homeowners pp王者电子官网 coverage annually?
Have you recently remodeled or improved your home?
Has the 通货膨胀 rate risen since your last appraisal?
国营农场 provides coverage that automatically adjusts each year in an effort to compensate for increases in construction costs in your area. 然而, certain conditions such as severe weather can increase the demand for labor and materials and raise costs beyond normal 通货膨胀. It is important to 更新 your coverage amount each year to keep up with the changing economy.
影响你所在地区建筑成本的因素是什么?
Market conditions in your area may impact the amount it will cost to rebuild your home if you experience a loss. Replacement cost estimates are influenced by supply of labor, demand for labor and the cost of construction materials. Keeping up with the current market conditions in your area and changing your home pp王者电子官网 coverage amount accordingly, will help you maintain coverage at least equal to 100% of the estimated 重置成本 coverage for your home.
向当地人寻求帮助
州立农场agent
想了解更多关于房主pp王者电子官网的知识?
Find out if you just transfer pp王者电子官网 to the new address or if you need new coverage.
A few helpful things homeowners should keep in mind for home pp王者电子官网 reviews.
第一次买房可能会让人望而生畏.
你的 belongings might need protecting while in transit.
你的新家需要考虑的保护措施.
没有他们就不是家了. 他们也有pp王者电子官网吗?
Learn how and why you should keep a list of all your belongings and their worth.
It’s additional liability protection for when you want more.
披露的信息
所有险别均以本合同条款为准, 规定, 除外责任, and conditions in the policy itself and in any endorsements.
国营农场® (including 国营农场 Mutual Automobile pp王者电子官网 Company and its subsidiaries and affiliates) is not responsible for, 不赞同或赞同, 隐式或显式, the content of any 第三方网站s hyperlinked from this page. 州立农业pp王者电子官网公司无权改变, 更新, 或控制超链接上的内容, 第三方网站. Access to 第三方网站s is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such 第三方网站s.