关于重置成本和市场价值，你需要知道什么
Learn the difference between replacement cost value and market value coverage to make an informed decision when purchasing home insurance.
当你购买时 房产pp王者电子官网 or 租房者pp王者电子官网，你要做很多决定. 其中最重要的是 房主或租客的pp王者电子官网金额 那最能满足你的需要. Understanding your options will help you make an informed choice that helps safeguard your real estate and your family's financial future.
什么是重置成本?
Replacement cost is the cost necessary to repair or replace your entire home. 当你为你的房子投保估计的重置成本, your insurer will reimburse you (subject to your policy limits) for the cost of rebuilding or repairing your home, based on the size and structure of the home that was lost or damaged.
The most appropriate way to estimate the replacement cost of your home is to hire a building contractor or other building reconstruction professional to produce a detailed replacement cost estimate. 或者你的 状态 Farm®代理 can help you by utilizing an estimating tool from Xactware Solutions — to assist you with an estimate. Only the estimated replacement cost of the property's structure and its associated systems, fixtures and finishes will be included in the estimate; land value is included in a home's market value but should not be included in the amount of insurance you buy. Remember though, the ultimate decision on how much to ensure your home for is yours
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想要保护你的家?
重置成本的收益
在损失的情况下, replacement cost coverage gives your family the best chance to return to their home and usual quality of life with minimal financial interruption. 为了最好的保护, consider insuring your home for at least 100% of its estimated replacement cost.
重置成本风险
重置成本会随着时间的推移而变化，所以你应该这样做 每年回顾一下你的房主政策 以确保它的覆盖范围能满足你的需求. 通知你的pp王者电子官网公司，如果你已经升级或 改善你的家, because these alterations may increase your home's estimated replacement cost. Also, you'll want to stay informed about changing market conditions in your area. 不断上升的劳动力, materials and transportation costs can directly affect your home's estimated replacement cost. 最大限度的保护, consider a policy that includes an inflation clause that automatically adjusts to account for changes in construction costs.
什么是市场价值?
Market value is the amount that a buyer would pay to purchase your home and its land in its current condition. 不像你家估计的重置成本, its market value is influenced by factors beyond the material and labor costs of repairs or reconstruction, 比如靠近好学校, 本地罪案统计数字, the availability of similar homes and the local housing market. Also, the land itself will be included in the home's market value, although it will not be 由业主pp王者电子官网承保.
市值风险
When you insure a typical home for its market value, it may be less than replacement cost value. 在这种情况下, 你可以少付pp王者电子官网费, 然而, 你有可能得到不完整的pp王者电子官网. 例如, 想象一下，一个家庭花175美元买了一套房子,然后买一份相同金额的房主pp王者电子官网. The estimated replacement cost for the home, though, is $225,000. 火灾或其他pp王者电子官网事故毁坏房屋的, the insurance settlement may be less than the actual replacement cost of the home. The family would either have to make up the difference themselves or build a new, 更便宜的房子.
When you buy a house, getting insurance to protect it is just the beginning. Make sure you reach out to your insurance company and ask any questions you may have to decide the best way to insure it. 一旦你都安顿下来，学习的技巧 房屋维修 以及如何 保护你的财产安全.
