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Replacement cost coverage is designed to help you repair/replace damaged items to make you whole again.  Example:  Your roof is totaled in a hailstorm. If you have replacement cost coverage on your home, then the company will pay to replace your roof, minus your deductible.  No depreciation will…

In short… Liability Insurance protects you financially if you are responsible for damage or injury to others. Liability coverage helps pay for attorney & defense costs, evidence & document gathering, medical payments, property damage, judgements, and settlements. A few claim situations…

You probably noticed that insurance companies automatically increase the coverage on your home and buildings (and some other items) due to inflation. Unfortunately, these inflation adjustments may not be adequate due to the substantial increases in the cost of building materials, steel, and labor…