My State Farm Policy has a "Replacement Cost-Similar Construction" Amendment to the Homeowners policy. Number is A1, that keeps you from the depreciation. Part of the premium I pay.
However there is a 1% deductible for any loss in Section 1 which is where the house, out dwellings, personal property, and loss of use are listed. The percentage is based upon the value of the homestead and applies equally to any claim against any of the above listed property.
I don't know if you can pay more out front and have the 1% reduced or deleted. Could ask I guess. I don't know if it applies to all policies or some, like my coverage.
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Today's Featured Article - An AC Model M Crawler - by Anthony West. Neil Atkins is a man in his late thirties, a mild and patient character who talks fondly of his farming heritage. He farms around a hundred and fifty acres of arable land, in a village called Southam, located just outside Leamington Spa in Warwickshire. The soil is a rich dark brown and is well looked after. unlike some areas in the midlands it is also fairly flat, broken only by hedgerows and the occasional valley and brook. A copse of wildbreaking silver birch and oak trees surround the top si
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