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 NEW Large PREMIUM Vinyl BEAN BAG BEANBAG Chair WHITE $66.30 Time Remaining: 14d 3h 57m Buy It Now for only: $66.30 |
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home insurance... premium = cost of replacement, or safety features?
I'm looking at my renewal papers, and I see errors. An example is siding, it says wood/vinyl.. but my siding is hardy plank. I'm thinking "wood/vinyl burns more easily than hardy plank. In that sense, it should lower my premium. However hardy plank is more expensive to replace than wood/vinyl.
So, when people insure you, do they go by cost of replacement, or by safety features? Just wondering what the bottom line is.
They go on replacement cost. BTW, the majority of fires are interior, so the hardy plank is only marginally relevant for safety.
Premium Vinyl Patio Door Overview