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Making Sense: Election Edition
Brent and Phil are joined by Nerre Shuriah to discuss the potential implications of the election outcome on markets and the economy.
Protect your most important possessions with a simple, affordable policy.
Get low-maintenance coverage for the inside of your unit.
Cover what matters to you, even if you don't own your home.
Get extra protection for your most cherished items.
Make sure a few inches of water doesn't cost you thousands of dollars.
Most homeowners insurance policies have dollar limits on certain types of belongings. Generally, these limits are on silverware, guns, jewelry, watches, furs and computers. The limits usually cover losses of the average person. Talk to your agent or insurance company about increasing these limits to meet your individual needs.
No. While flood damage isn't covered by most homeowners insurance policies, we can provide a separate policy through the National Flood Insurance Program for additional coverage needs.
You'll need enough homeowners insurance to cover the cost to rebuild your home at current construction costs. This amount doesn't include the cost of the land and isn't related to the price you paid for your home or its current market value, tax value or loan amount. Keep in mind that the cost of rebuilding your home could be more or less than the price you paid or could sell it for due to changes in construction costs.
Here are some things to consider when choosing how much homeowners insurance you need:
You may not end up with the best homeowners coverage if you comparison shop by price. Your home is one of the most important purchases you'll make, so take the time to understand your insurance before you purchase it. It's one of the most important decisions you can make for yourself and your family.
Replacement-cost coverage within a homeowners insurance policy pays to replace your home and belongings with materials of like kind and quality at current prices, while actual cash-value policies reimburse the depreciated value.
Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.
Insurance products offered in California are offered by First Citizens Investor Services, Inc., d.b.a. FCIS Insurance Solutions, Agency #6001908.
Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.
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