Tuesday, October 18, 2005

Homeowner Insurance Policy

I just called my homeowner insurance company, asking them to increase the deductible from $500 to $1000 and increase the coverage. I was told 1) they do not have $1000 deductible, only $500 available. 2) The current coverage is suffcient to rebuild the house. Their coverage is increased automatically by a percent.

Though I told them my house market value is now 25% more than the coverage. They said the house market is depending on a lot of factors, including season, location. But they only consider to rebuild the house, the material and labor cost.

I think it makes sense. If you live in Virginia, I recommend you to consider them, their rate is the lowest. I am thinking they are kind of non-profit organization.
Mutual Assurance Society of Virginia http://www.mutual-assurance.com/

8 Comments:

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