I do worry about cost to repair or rebuild, and want to keep adequate coverage, however I am not comfortable with paying for coverage I could never use. Example....they keep increasing coverage on the house until they are covering it for $250,000, yet the value is only $200,000 (just hypothetical numbers). Would they pay $250,000 if the home was a total loss? My bet is no, but I guess I need to ask the question to my agent. To me paying for coverage you can never use is about as bad as under insuring as you are throwing money away. If I pay for $250,000 coverage on a structure and it is a total loss, I want the check to reflect that amount. I feel that is not too much to ask since they collected premiums on that coverage.
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Today's Featured Article - A Cautionary Tale - by Ian Minshull. In the early 1950s my father bought an Allis Chalmers B and I used it for all the row crop work with the mangolds and potatoes, rolling and the haymaking on our farm. The farm and the Allis were sold and I have spent a lifetime working on farms throughout the country. I promised myself that one day I would own an Allis. That time event
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