Also check if you have a mortgage with insurance through the mortgage. Lot of times it's the cheapest insurance they can find and it may not even meet or obey the laws of your state. You can buy a supplemental policy to go along with insurance provided with your mortgage to make up differences plus if you buy through your agent if you have a loss the other company is going to be less likely to try to short change you. I've seen some really goofy stuff from some insurance companies. Like fire damage is covered but not damage made by the fire crew to put the fire out. Guy that was affected the fire department cut holes in the roof to gain access to put the fire out. Roof damage was not covered. Oh yea, it was insurance provided with his mortgage.
If you do not understand what you are reading take your policy into your agent and have him go through it with you.
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Today's Featured Article - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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