What you need to know about replacement cost vs market value
When you purchase homeowners insurance or renters insurance, you'll make a number of decisions. One of the most important is the amount of homeowners or renters coverage that best meets your needs. 了解你的选择将帮助你做出明智的选择，帮助保护你的房地产和你的家庭的财务未来.
What is replacement cost?
重置成本是修理或更换整个房屋所需的成本. When you insure your home for its estimated replacement cost, 你的pp王者电子官网公司会赔偿你(根据你的保单限额)重建或修理房屋的费用, 根据房屋的大小和结构来判断.
估算房屋重置成本最合适的方法是聘请建筑承包商或其他建筑重建专业人员来制作详细的重置成本估算. Or your State Farm® agent 可以通过使用Xactware Solutions的评估工具来帮助您进行评估吗. 仅指物业结构及其相关系统的估计重置成本, fixtures and finishes will be included in the estimate; land value is included in a home's market value but should not be included in the amount of insurance you buy. 但请记住，最终决定为你的家保多少钱是你自己的
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Benefits of replacement cost
In the event of a loss, 重置成本pp王者电子官网让你的家人有最好的机会回到他们的家，以最小的经济中断恢复正常的生活质量. For the best protection, 考虑为你的房子投保至少100%的估计重置成本.
Risks of replacement cost
Replacement costs can change over time, so you should review your homeowners policy annually to make sure its coverage meets your needs. Inform your insurer if you have upgraded or improved your home，因为这些改动可能会增加房屋的估计重置成本. 此外，你还需要了解你所在地区不断变化的市场情况. Rising labor, 材料和运输成本会直接影响到房屋的估计重置成本. For maximum protection, 考虑一个包含通货膨胀条款的政策，该条款可以根据建筑成本的变化自动调整.
What is market value?
市场价值是买家愿意支付的金额，以购买你的房屋和土地在目前的状况. Unlike your home's estimated replacement cost, 其市场价值受修复或重建的材料和人工成本以外的因素影响, such as proximity to good schools, local crime statistics, 可得性与当地住房市场相似. 此外，土地本身将包括在房屋的市场价值中，尽管它不会 covered by the homeowners policy.
Risks of market value
当你为一个典型的房屋的市场价值投保时，它可能低于重置成本价值. When this is the case, you can pay less for your insurance, however, you are at risk of having incomplete coverage. For example, imagine that a family buys a home for $175,000 and takes out a homeowner's policy for the same amount. 不过，这套房子的估计重置成本为22.5万美元. If a fire or other insured event destroys the house, pp王者电子官网结算可能少于房屋的实际重置成本. 这家人要么自己补足差额，要么建一个新的, less expensive home.
当你买房子的时候，买pp王者电子官网来保护它只是一个开始. 一定要联系你的pp王者电子官网公司，询问你可能需要的任何问题，以决定最好的pp王者电子官网方式. Once you are all settled in, learn tips about home maintenance and ways to keep your property safe.
