What is repalcement coverage when it comes to your home?

As they sort out the aftermath of the fires in San Diego those affected are turning to their insurance companies to help put their lives back together.  I recently found an article that answers a lot of questions you may have about your home and auto coverage after a fire.  I think now is a great time to talk about this subject.  A lot of times when it comes to replacing what you own after a disaster what you think your insurance covers may not be the coverage you have.  As an insurance professional I can’t stress enough the need for both you as consumers and us as agents to review your polices and make sure you know what you have and what it covers at least on an annual basis.  There is no way to cover each and every scenario, but I think this article does a beautiful job of making my point.  Share this with those you think might be in need of answers.  If you have a question that wasn’t addressed in the article feel free to ask me anything you’d like.  If I don’t know I’ll find the answer.  For those of you who have friends and family in the San Diego area I wish them well and a swift recovery.   

http://www.insurancejournal.com/news/west/2007/10/23/84486.htm

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