I do worry about cost to repair or rebuild, and want to keep adequate coverage, however I am not comfortable with paying for coverage I could never use. Example....they keep increasing coverage on the house until they are covering it for $250,000, yet the value is only $200,000 (just hypothetical numbers). Would they pay $250,000 if the home was a total loss? My bet is no, but I guess I need to ask the question to my agent. To me paying for coverage you can never use is about as bad as under insuring as you are throwing money away. If I pay for $250,000 coverage on a structure and it is a total loss, I want the check to reflect that amount. I feel that is not too much to ask since they collected premiums on that coverage.
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Today's Featured Article - A City Guy's First Tractor - by Fred Hambrecht. After living in apartments in Atlanta for more years than I care to remember, the wife and I decided to move to the country. Humming "Green Acres is the place for me..." we purchased a 29 acre tract about 60 miles south of Atlanta. Next came the house, I could talk about that ordeal for another two weeks... But, I want to talk about my tractor! We didn't even own a lawnmower, and all of a sudden we had enough grass to feed all the starving children of the bovine world. Naturally, I talked
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