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 - 12-Volt Conversions for 4-Cylinder Ford 2000 & 4000 Tractors - by Tommy Duvall. After two summers of having to park my old 1964 model 4000 gas 4 cyl. on a hill just in case the 6 volt system, for whatever reason, would not crank her, I decided to try the 12 volt conversion. After some research of convert or not, I decided to go ahead, the main reason being that this tractor was a working tractor, not a show tractor (yet). I did keep everything I replaced for the day I do want to restore her to showroom condition.
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