Home improvement projects seem to have no season. While many big outdoor projects happen in spring and summer, homeowners may find the best time to work on a renovation project is when contractors are available or materials are less expensive. In fact, if your project is not weather-dependent, you might get a better deal at some other time of year. No matter when you plan your next home project, our bloggers have tips that can ease your mind.
The biggest question to answer when purchasing life insurance is whether you need a term or permanent policy. Each type has advantages and limitations. To make the right decision, you should know and understand your options.
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Reconstruction cost – or replacement cost – is the cost of hiring a contractor to replace your home as it is, using materials and design of the same or similar quality. This amount is not the same as market value, which is the value of comparable homes that have sold in your area. Your home’s current reconstruction cost could be very different from its market value.
You’re an automotive enthusiast, a connoisseur of fine machines; only the best will do. Each car you own – whether it’s an exotic supercar, an antique muscle car or a limited production modern collector vehicle – is mechanically and visually perfect down to the minutest cosmetic detail. These are not just cars to you; they are rolling pieces of fine art where form and function meet in perfect harmony. So when it comes to insurance, why not consider insuring their property damage coverage on a personal articles policy?
Homeowner insurance isn’t just for the structure of your house. It also provides protection for most of your personal possessions. Some possessions of special value may require additional protection through a personal articles floater that can provide coverage beyond your standard policy.
Remodeling and renovation projects can add significantly to the value of your home. Whether you do it yourself or hire a contractor, remember to update your homeowner insurance as you increase your home’s value.