Older Homes: Replacement Cost vs Cash Value
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After chasing quotes from eleven carriers for a 1927 four-square with knob-and-tube wiring still buried in two walls, here is the blunt answer: the best homeowners insurance for older homes is never a brand name. It is a replacement-cost policy from a…
The First Time Home Buyer’s Home Insurance Playbook
My first mortgage lender nearly blew up my closing because I waited until week three of escrow to start shopping for coverage — that panic taught me the single most important rule: the best home insurance for first time home buyers is not the cheapest…