Home Theater Insurance: How to Insure Your Home Theater or Listening Room
My true passion is audio/video, specifically home theater, but insurance pays the bills and, believe it or not, is quite enjoyable on its own. For years, I have always wondered how I could fuse the two...
View ArticleReplacement Cost vs. Actual Cost
A question we continually get from both our current clients and any potential clients is what is the difference between replacement cost and actual cost or fair market value. The question usually comes...
View ArticleRestaurant Insurance Advice: Insure for Replacement Cost and Loss of Use
A restaurant owner’s worst enemy is fire. Most restaurant fires result in near or total devastation. Because of this, having the right amount of insurance coverage is vital to cover the property damage...
View ArticleWhy Is My Home Insured For More Than It’s Worth?
In Texas most of us have the unique problem where the market value of our home is less than what it would actually cost to build the home. Thank you Texas!!! Insurance companies always want to make...
View ArticleWhat is Commercial Property Replacement Cost?
When is replacement cost not what it says? It is very common today for commercial property to be insured on what is called a “replacement cost” basis. What this means exactly can be a cause for great...
View ArticleInsurance & Your Car’s Depreciation
Cars, even affordable ones, are expensive to own and operate. Do you know what the single biggest expense in car ownership is? If you guessed depreciation you’d be right. Depreciation is defined as the...
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