If you live in the Chicago area, or have recently moved to the area, you are probably trying to make sense of your home insurance rates & wondering how a company arrives at the rates they do. Between the fine print & all of the different coverage options out there, it can be difficult to decipher what you need & what you are entitled to. Here are eight things an insurance company will take in to consideration when putting together your policyowner & offering you a quote.Replacement cost: The company will take in to consideration what it would cost to replace and/or rebuild today; irrespective of how much you paid for it ten or 15 years ago.
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