Oct 3

If you have tried to negotiate with an insurance agent for lower rates on a cash value policy, your agent may refuse to write it up. If this should happen, take a look at the current market value for your home. If it comes in at far less than what the replacement value does, then it may make more sense to find another company. Alternatively, before you purchase home insurance, you may want to get a little clarification on any muddy terms by consulting the expertise of an insurance adjuster. Doing this will reveal which incidents an insurance carrier will be responsible for covering. Learn more tips on how to get lower insurance rates.

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