How to Make Sense of Home Insurance Rates?

home insurance rates
If you live in the Chicago area, or have recently moved to the area, you are probably trying to make sense of your home insurance rates & wondering how a company arrives at the rates they do. Between the fine print & all of the different coverage options out there, it can be difficult to decipher what you need & what you are entitled to. Here are eight things an insurance company will take in to consideration when putting together your policyowner & offering you a quote.
Replacement cost: The company will take in to consideration what it would cost to replace and/or rebuild today; irrespective of how much you paid for it ten or 15 years ago.
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