When it comes to #HomeownersInsurance, the one thing you must avoid is a policy that bases its claims payout on the “actual cash value” of the damaged property. Actual cash value only covers the depreciated value of what you need to replace. For example, if your 15-year-old roof blows off, an ACV policy will leave you with a big out-of-pocket expense to cover the price difference between a 15-year-old roof and the new roof you need. 🏡 #PropertyProtection

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