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Message: <blockquote data-quote="db-2" data-source="post: 304294" data-attributes="member: 4743">Nodak MutualAnnual cost of $1,891 for $329,689 on home, $247,267 on contents and $98,000 on loss of use.  Replacement cost on home and contents with $1,000 deductible.  (one needs to have replacement cost on your policy)Build in 83 with 2500 square feet and attach double garage, two story.  Feel in this town market sale price would be $150-175,000 (all new windows, carpet, shingles and siding. remodel kitchen within the last few years).  To build based on some new homes just build maybe a touch under $300,000 and no lot cost.  Still need to pay someone to get rid of old house.Yes every year the coverage goes up.One claim in 15 years.  Part of cedar fence blew down.  Call adjuster and he ask what i thought.  I said a new fence would be nice and he said find out price.  To tear old down and new plastic it was $7,500.  Send me a check, never did come up and look and i got to keep all the cedar post and boards.  Did most of work myself so less than $7,500 cost.So have never check elsewhere but i think it may be high cost but great service.  Let me know.Asked about getting paid $247,000s on contents in case of lost and replacement coverage and agent has no answer.  Have quit a few thousand in guns that are cover for all except for theft.  But they are in safe or bolted to wall with chain.I would think in town i would not have a 100% loss from fire but a tornado could do the 100%.  Wife could have a hayday.If it was to have full coverage one needed to insure at 80% of cost to fix and not sure if that is still the rule but cost of coverage is based on how much insurance one has.Over the years i feel the adjustor can make or break the outcome.  Agent can be a big part of it too.  Had some poor adjustors and told one to hit the road within the first few minutes of him coming into the house.Hope this helps.  db-2- - - Updated - - -Have $500,000 liability for $17 and at may age i should get an umbrella coverage for at least a million.  db</blockquote>

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