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Replacement Cost VS. Actual Cash Value Do you know the difference? Actual Cash Value: Also called market value, this term refers to the actual or current value of property just prior to the time of an insurance claim.  The value includes many different deductions i.e.: depreciation due to age, general condition, upgrades, location, obsolescence and …

With today’s Insurance market being as “tough” as it is, “Extra Care” is advisable and in some cases required. There was a day when a client that had a “bad run” of claims, could always find another insurance company to take on the renewal or the existing company would just surcharge the policy. Today I …

In a number of situations farms really do not have the necessary coverage for pollution exposures. Today’s volumes of pesticides and manure combined with ever increasing environment regulations and/or sensitivity to these issues mean that many farmers are not well protected in the event of a disaster. Insurance companies are becoming more aware of the …

I know, we have all been told to be safe. We all understand how a fraction of a second can change your life forever, this is a very important consideration…have you considered another cost? Statistics show that farm accidents increase during the rushed long days of the harvest season. Of course there is often property …