If you are unsure your distinctive home is covered properly, we invite you to print the following form and use it as a tool in evaluating your policy.  If you would rather not take the time, just send us an email and we will contact you about doing the review for you at no cost.  If you find you have "No" responses to some of these items it may be time to review your entire policy to make sure it will respond how and when you want it.

EXTENDED REPLACEMENT COST COVERAGE
THIS COVERAGE IS INCLUDED IN MY POLICY? ___YES   ___NO
IF YES, IS THERE A MAXIMUM AMOUNT THE POLICY WILL PAY? $____________
 
INCREASED COSTS DUE TO BUILDING ORDINANCES OR LAWS
THIS COVERAGE IS INCLUDED IN MY POLICY? ___YES   ___ NO
IF YES, IS THERE A SUBLIMIT FOR THIS COVERAGE? $____________
 
COVERAGE FOR MY PERSONAL CONTENTS
REPLACEMENT COST COVERAGE IS PROVIDED FOR MY CONTENTS? ___YES   ___ NO
THE CONTENTS LIMIT ON MY POLICY IS A PERCENTAGE OF MY HOME'S REPLACEMENT VALUE? ___YES   ___ NO
IF YES, WHAT PERCENTAGE WAS USED? %____________
DO A QUICK COUNT AS TO THE VALUE OF YOUR MAJOR BELONGINGS AT TODAY'S PRICES. 
HOW MUCH COVERAGE DO YOU NEED?

$____________
HOW MUCH DO YOU HAVE ? $____________
 
OPTION FOR A CASH SETTLEMENT
MY POLICY OFFERS A CASH SETTLEMENT OPTION? ___YES   ___ NO
IF YES, WILL DEPRECIATION BE FACTORED INTO THE AMOUNT? ___YES   ___ NO
 
DETERMINATION OF MY HOMES REPLACEMENT VALUE
THE VALUE OF MY HOME WAS DETERMINED BY:_____________________________________
I FEEL CONFIDENT THE VALUE WAS BASED ON AN ASSESSMENT OF REPLACEMENT COST FACTORS AT CURRENT PRICES? ___YES   ___ NO
MY CURRENT COMPANY DOES ITS OWN APPRAISALS? ___YES   ___ NO
 
SPECIAL FORM COVERAGE FOR MY HOME AND CONTENTS
MY HOME IS COVERED ON A SPECIAL FORM POLICY? ___YES   ___ NO
MY CONTENTS ARE COVERED ON A SPECIAL FORM POLICY? ___YES   ___NO