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Category Archives for Insurance Fundamentals

Homeowner’s Insurance for Your Trust-owned Home

Is Your Home in a Trust? As an estate and tax planning tool, many successful individuals and families establish trusts, and transfer ownership of certain assets to the trust. Depending on the type of trust, benefits can include: Avoiding a lengthy probate process Reducing taxes Protecting assets from creditors and ... Read More »

Homeowner’s Insurance for Your Historic Home

Insuring Your Historic or Antique Home If you own a historic home, don't assume that all homeowner’s insurance policies are the same. You may be disappointed should you need to file a claim. Does replacement cost coverage on your policy include actual replication of significant historic details such as moldings ... Read More »

Homeowner’s Insurance – Replacement Cost Coverage

Also called reconstruction or rebuilding cost, replacement cost coverage is the limit of insurance provided to rebuild your home in the event of a covered loss. Most policies show an amount for the dwelling (building), and related coverage limits for detached structures, such as a shed or detached garage, and ... Read More »