Name:   lakeplumber - Subject:   All I can say is.... Date:   6/18/2011 7:24:39 PM

Jes saying here....

While insurance is a somewhat painful necessity, total loss is much more painful. I have had only one "bad" experience with the insurance industry, but in the end, they stepped up and paid for what was covered. I do not judge all insurance companies from that one bad incident, there are some good ones out there. Mine (thankfully) ask me to come in and discuss coverages from time to time. Anyone who "adds" items to the insured property needs to make sure the vadded things are covered or can be covered with something called a "rider" (i.e., firearms).

If an initial cost of property is $250.000, butover the years, add-ons and property appreciation eventually brings the property value to $500.000, I would seriously check my coverage to make sure that the full amout is insured.