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Homeowners Insurance — Terms that make a Difference:

  • Actual Cash Value:

    This policy pays to replace the home or possessions minus a deduction for depreciation.

  • Replacement Cost Value:

    This policy pays the cost of rebuilding or repairing the home or replacing possessions without a deduction for depreciation.

  • Guaranteed/Extended Replacement Cost:

    This policy offers the highest level of protection. A guaranteed replacement cost policy pays whatever it cost to rebuild the home as it was before the loss due to a covered cause, even if it exceeds the policy limit. An extended policy, rather than a guaranteed, pays a certain percentage over the limit to rebuild the home or replace the possessions. Generally it is 20 to 25% more than the limit of the policy.

What Drives Premium Rates:

        1. The likelihood a homeowner will file a claim- the insurer’s perceived “risk.” Determining that risk: Home insurance companies give significant consideration to past insurance claims submitted by the homeowner as well as claims related to that property and the homeowners credit.
        1. Claim frequency and severity play a considerable role in determining rates. While insurers are there to pay claims, they’re also in it to make money. Ensuring a home that has had multiple claims in the past 3 to 7 years can bump your home insurance premium into a higher pricing tier.
        1. Replacement cost and accessibility to resources and labor to rebuild our other major drivers of annual premiums.
        1. How far a home as from the nearest fire station, fire hydrant, or source of water for putting out fires.
        1. A homes proximity to the coast and its relation to high crime areas our other pricing considerations.
        1. Finally; pricing in eligibility for home insurance can also vary depending on insurers appetite for certain building construction, roof type, condition or age of the home, heating type, swimming pool, trampoline, security systems and more.

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Testimonials

Facebook Rating
5.0
Agency 54 Insurance
Agency 54 Insurance
5.0
Chris Holtrop
Chris Holtrop
2017-11-17T03:30:52+0000
Troy Torchia
Troy Torchia
2017-05-17T00:47:57+0000
One call to Theresa Ursitti and within no time we had proof of insurance for the purchase of my daughters new car. Thanks to Chris Holtrop as well! Great service and team work! You won't be disappointed.
Steven Olesen
Steven Olesen
2017-05-09T22:01:32+0000
The entire team @ Agency 54 Insurance have provided my family and I with the most comprehensive insurance coverage thru asking a lot of questions so that we could purchase exactly what we desired for our family insurance needs. Caring PROFESSIONAL AND COURTEOUS GREAT SUPPORT and VALUE ����
John McLaughlin
John McLaughlin
2017-05-09T16:35:53+0000
Cynthia Anna Ramsey
Cynthia Anna Ramsey
2017-05-09T16:32:18+0000
Adam James
Adam James
2017-05-09T16:26:38+0000
Agency 54 Insurance delivers time and again on the very values that shape their culture. Not only are they people of integrity, but they invest much time into learning about your needs and how they can improve your insurance across all spectrums. They are professional, diligent, and extremely competent. I highly recommend them for all of your insurance needs!
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LATEST NEWS

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    22 October, 2018
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    When it comes to auto insurance these days how do you know

    22 October, 2018

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  • Home
    • Testimonials & Reviews
  • Our Partners
  • Concierge Insurance
    • OneBill Pay™
  • Insurance Types
    • Life Insurance
    • Homeowners Insurance
    • Condo Insurance
    • Renters Insurance
    • Auto Insurance
    • Motorcycle Insurance
    • Boat Insurance
    • RV Insurance
    • Business Insurance
    • Personal Umbrella Insurance
  • News & Resources
    • Life
    • Homeowners
    • Auto
    • Boat
    • Video
  • Contact Us | Request A Quote
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