Replacement Cost vs Actual Cash Value

If you have replacement cost coverage and one of your insured manufactured homes is damaged due to a covered peril such as wind, hail, or fire, then you should expect to be paid for the reasonable cost to repair your home less your insurance deductible. If you have actual cash value cost coverage, then you …

Service Animals

New court rulings and Federal Laws are opening the door to allow a parade of dogs and other animals onto your property. In many instances, either the Americans with Disabilities Act (ADA) or the Fair Housing Act (FHA) give your tenants the right to keep a dog or other pet even though your community rules …