My State Farm Policy has a "Replacement Cost-Similar Construction" Amendment to the Homeowners policy. Number is A1, that keeps you from the depreciation. Part of the premium I pay.
However there is a 1% deductible for any loss in Section 1 which is where the house, out dwellings, personal property, and loss of use are listed. The percentage is based upon the value of the homestead and applies equally to any claim against any of the above listed property.
I don't know if you can pay more out front and have the 1% reduced or deleted. Could ask I guess. I don't know if it applies to all policies or some, like my coverage.
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Today's Featured Article - Hydraulics - Cylinder Anatomy - by Curtis von Fange. Let’s make one more addition to our series on hydraulics. I’ve noticed a few questions in the comment section that could pertain to hydraulic cylinders so I thought we could take a short look at this real workhorse of the circuit. Cylinders are the reason for the hydraulic circuit. They take the fluid power delivered from the pump and magically change it into mechanical power. There are many types of cylinders that one might run across on a farm scenario. Each one could take a chapter in
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