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2. Recoverable depreciation in home insurance: what it is and ...

   www.aol.com/finance/recoverable-depreciation...

   By dividing its lifespan (14 years) by the total cost ($1,500), home insurance companies can arrive at a data-based insurance recoverable depreciation estimate. In this example, for each year of ...

3. Guide to homeowners insurance - AOL

   www.aol.com/finance/guide-homeowners-insurance...

   To get a rough estimate of how much homeowners insurance you may need, you might consider the square footage of your home, any upgraded or specialty construction elements, and the monetary value ...

4. Home insurance - Wikipedia

   en.wikipedia.org/wiki/Home_insurance

   Major factors in price estimation include location, coverage, and the amount of insurance, which is based on the estimated cost to rebuild the home ("replacement cost"). [2] If insufficient coverage is purchased to rebuild the home, the claim's payout may be subject to a co-insurance penalty. In this scenario, the insured will be subject to an ...

5. Replacement value - Wikipedia

   en.wikipedia.org/wiki/Replacement_value

   The term replacement cost or replacement value refers to the amount that an entity would have to pay to replace an asset at the present time, according to its current worth. [1] In the insurance industry, "replacement cost" or "replacement cost value" is one of several methods of determining the value of an insured item. Replacement cost is the ...

6. How to choose the best home insurance company - AOL

   www.aol.com/finance/choose-best-home-insurance...

   In homeowners insurance, the 80 percent rule refers to the fact that most insurance companies require homeowners to insure their home for at least 80 percent of its total replacement cost.

7. Increased limit factor - Wikipedia

   en.wikipedia.org/wiki/Increased_limit_factor

   Often, limited data is available to determine appropriate charges for high limits of insurance. In order to price policies with high limits of insurance adequately, actuaries may first determine a "basic limit" premium and then apply increased limits factors. The basic limit is a lower limit of liability under which there is a more credible ...