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 - Women and Tractors - Tractor Engine Repair - by Teri Burkholder. One of the great things about working on a tractor engine with your other half is that you know what he is thinking of at all times and can anticipate his every move and his next thought of what he will do. With Ben, anyway, I can tell! He'll be busy working and I’m handing him tools and he says, "give me that..." and I’ve already got it in his hand or "hand me that....."and I’ve got the portable light right where he needed it placed to see. "Run in the house and get me a...."as I open th
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