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Posted By admin on December 22, 2009

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Insurance is necessary to protect you from risk.  Risk is, according to Investopedia.com, “the possibility of losing some or all the original investment.”  In the case of insurance the investment maybe an automobile, home, building, and even life.  The investment is then given a value by the insurer or the item being insured.

For the investment value of a home, the insurer or insurance company utilizes information from the assessor’s calculation of the replacement cost of the home.  The replacement cost of the home is calculated by multiplying a pre-determined value to the assessed value.  This equated value or replacement cost value is the investment value of the home.   For example, the assessed value of Home A is $56,400.  The replacement cost value or investment value is $85,810.   The multiplier is 1.52.  Still yet, it may be another value for another home.  It is, of course, based on when the home was built and if any updates have been done since it was built, the material the home is built of, and the cost of materials and labor to replace the home.

Insurance Specialist understands that your home is more than an investment value, but your home is a valued asset that you would like to protect with the maximum protection for the lowest cost.  This is why Insurance Specialist offers quotes from all of the leading companies so that you can compare “apples to apples and oranges to oranges”.  You get all this valued information for free and under no obligation.

The added advantage of Insurance Specialist is that you can get or meet all your insurance needs in one place.  You can obtain a quote on life, health, home, auto, motorcycle, and even business without the pressure of making a decision without knowing all the facts and other quotes.

Give Insurance Specialist a try the next time you are in the market for insurance.

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Categories: insurance
Tags: insurance, Replacement value, risk, specialist