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Functional Replacement Cost: The Secret to Insuring Older Homes
Insuring a vintage home is expensive because of the cost to replicate plaster and millwork. "Functional Replacement Cost" (HO-8) offers a smart compromise to save money.
Adams Kotel
The Vacancy Clause: When an Empty House Becomes Uninsured
Selling a home? Renovating? dealing with probate? If your house sits empty for more than 30 days, your insurance might vanish. We explain the Vacancy Clause and how to get the right permit.
Julian Vance
The Expensive Pipe Problem: What is Service Line Coverage?
You are responsible for the water and sewer lines running under your yard. If they break, the city won't fix them, and a standard home policy won't pay. Here is the affordable endorsement that saves you $10k.
Marcus Chen
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