1) Under a cash value policy, the loss of a $600 item with an estimated life of five years that was purchased three years ago and has a replacement cost of $900 would result in a payment from the insurance company of
2) How much coverage would be provided under a standard homeowner’s policy if during an unusually heavy rain the basement becomes full of water and an antique dresser from the 1860s was destroyed? The dresser was originally purchased for $1,300 10 years ago, was recently appraised for $2,600, and you recently received an offer from an antique collector for $3,100. How much would be received from your insurance company to cover this loss?
11.8 Homeowner’s Insurance Premiums
True or False
1) A higher deductible reduces the amount of coverage provided by homeowner’s insurance, and therefore results in a lower insurance premium.
1) The best way to reduce your homeowner’s insurance premiums is to
A) insure your home for only 60% of its value, since it is unlikely to be completely destroyed.
B) drop coverage for medical payments.
C) increase deductibles.
D) eliminate liability coverage.
2) All of the following actions are suggestions to reduce your homeowner’s insurance except
A) install better locks or a security system.
B) don’t make small claims against your policy.
C) change insurance companies whenever you renew your policy.
D) shop around and get quotes from several companies.
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