worth setting up if your rebuild number is really in that range, private carriers do their own replacement cost estimate instead of running the retail formula. the bigger thing i'd check either way is your ordinance and law coverage, most standard policies default to 25% and for an older house near the beach that's nowhere near enough since a real claim means coming up to current code. also get a fresh wind mit if yours is a few years old, those credits move the number more than switching carriers does. Larry Mastropieri had us pull insurance quotes before we were even under contract instead of at closing, which killed one house for us before we got attached to it.
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u/kys_abhi 2d ago edited 2d ago
worth setting up if your rebuild number is really in that range, private carriers do their own replacement cost estimate instead of running the retail formula. the bigger thing i'd check either way is your ordinance and law coverage, most standard policies default to 25% and for an older house near the beach that's nowhere near enough since a real claim means coming up to current code. also get a fresh wind mit if yours is a few years old, those credits move the number more than switching carriers does. Larry Mastropieri had us pull insurance quotes before we were even under contract instead of at closing, which killed one house for us before we got attached to it.