Is it time for a Homeowners’ Insurance Checkup?

When’s the last time you checked out your Homeowners’ Insurance policy?  I’m betting for most of you it hasn’t been recently.  Maybe it’s time to dig through the box you dump your important papers into, drag it out and make sure that what you are paying for is getting you the most bang for your buck. Understand “value.” One of the most difficult concepts for homeowners is the difference between market value, appraisal value and replacement value.  Let’s define all three. Market value can be…

Continue reading »