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 Lifetime of Farm Machinery - by Joe Michaels. I am a mechanical engineer by profession, specializing in powerplant work. I worked as a machinist and engine erector, with time spent overseas. I have always had a love for machinery, and an appreciation for farming and farm machinery. I was born and raised in Brooklyn, New York. Not a place one would associate with farms or farm machinery. I credit my parents for instilling a lot of good values, a respect for learning, a knowledge of various skills and a little knowledge of farming in me, amo
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