Homeowners Insurance Coverage: Replacement PPSF?

[SanDiegoDave]

We’re getting quotes for a homeowner’s policy. In determining dwelling coverage – how much it would cost to rebuild the entire house if it burned down or a plane crashed into it – what is the average price-per-square-foot to rebuild a house in the Carmel Valley area? 2100 sq ft, two-story.

I’ve been told to assume $250-$300/sq.ft. to rebuild Curious if anyone “in the know” would agree with that.

Thanks!
– Dave

[NotCranky]

If it is a tract home that’s plenty. Find out how demolition is covered. On my policy there is a separate payout for demo.

Some companies insure at lower ppsf and have a rider that increases the payout based on actual costs to rebuild. You want to know if there is a rider for additional coverage and what at percentage it increases the possible payout.

[NotCranky]

If it is a tract home that’s plenty. Find out how demolition is covered. On my policy there is a separate payout for demo.

Some companies insure at lower ppsf and have a rider that increases the payout based on actual costs to rebuild. You want to know if there is a rider for additional coverage and what at percentage it increases the possible payout.

[NotCranky]

If it is a tract home that’s plenty. Find out how demolition is covered. On my policy there is a separate payout for demo.

Some companies insure at lower ppsf and have a rider that increases the payout based on actual costs to rebuild. You want to know if there is a rider for additional coverage and what at percentage it increases the possible payout.

[NotCranky]

If it is a tract home that’s plenty. Find out how demolition is covered. On my policy there is a separate payout for demo.

Some companies insure at lower ppsf and have a rider that increases the payout based on actual costs to rebuild. You want to know if there is a rider for additional coverage and what at percentage it increases the possible payout.

[NotCranky]

If it is a tract home that’s plenty. Find out how demolition is covered. On my policy there is a separate payout for demo.

Some companies insure at lower ppsf and have a rider that increases the payout based on actual costs to rebuild. You want to know if there is a rider for additional coverage and what at percentage it increases the possible payout.

[Anonymous]

The real question is what does replacement cost mean to the insurance company? Many policies are cap’ed as a percentage of the coverage.

I been through a total loss and recommend AAA for home owners insurance.

[Anonymous]

The real question is what does replacement cost mean to the insurance company? Many policies are cap’ed as a percentage of the coverage.

I been through a total loss and recommend AAA for home owners insurance.

[Anonymous]

The real question is what does replacement cost mean to the insurance company? Many policies are cap’ed as a percentage of the coverage.

I been through a total loss and recommend AAA for home owners insurance.

[Anonymous]

The real question is what does replacement cost mean to the insurance company? Many policies are cap’ed as a percentage of the coverage.

I been through a total loss and recommend AAA for home owners insurance.

[Anonymous]

The real question is what does replacement cost mean to the insurance company? Many policies are cap’ed as a percentage of the coverage.

I been through a total loss and recommend AAA for home owners insurance.

[rbeast]

get an umbrella policy thru AAA for home & auto – also get peace of mind!!

[rbeast]

get an umbrella policy thru AAA for home & auto – also get peace of mind!!

[rbeast]

get an umbrella policy thru AAA for home & auto – also get peace of mind!!

[rbeast]

get an umbrella policy thru AAA for home & auto – also get peace of mind!!

[Author]

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