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  • Replacement Cost or Market Value? January 21, 2015
    Here is a question we are asked all the time:  “Why is my home insured for $200,000 when similar homes in my neighborhood are selling for only $150,000?”  This is a very sound question for which there is a very sound explanation. Most homeowner insurance policies are based on what is known as replacement cost.  […]
  • Sometimes it’s the Receiving not the Giving December 8, 2014
    Another Thanksgiving is over and the Christmas season is upon us. ‘Tis the season of shopping, decorating, and baking! It is also a time to reflect on the past year and most importantly, giving. Christmas is often called the Season of Giving but the act of giving transcends all religions, cultures and societies. Sometimes, though, it’s the receiving, […]
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