CALIFORNIA HOMEOWNERS INSURANCE 360

California Homeowners Insurance 360 is committed to helping CA residents find the best homeowners insurance policy... Yes. You can get one of three different replacement cost policies or an actual cash value policy. The actual cash value policy pays fair market value of the house up to the policy limits. Fair market value is determined by appraisals on similar homes in the area minus the value of the land. This kind of policy does not account for inflation from year and can end up costing more out of pocket than a replacement cost policy. Replacement Cost Coverage policies cover the full cost of replacing your home up to the policy limits without deducting for depreciation. Extended/Modified Replacement Cost policies will cover a percentage over your policy limit to rebuild your home. This will protect you in case of inflation. Guaranteed Replacement Cost policies are rare but can be found. This kind of policy will pay whatever it costs to rebuild your home as it was prior to the..

Also known as: California Homeowners Insurance Company