Dear Morgan Houseworks

The fire protection that a home owners insurance covers is typcially for the amount that you have insured your home less the deductible. Many times when you have a loan on the home the bank reguires you to insure for at least the loan amount or the replacement value of the home. I typically never insure for the land value only the amount necessary to replace my home or whatever the lender is reguiring.

Good Luck to you

Denise Laugesen
650-465-5742

Cashin Company
#1 top Producing Agent
Denise Laugesen
Direct Line: 650-403-6225
Email: deniselaugesen@cashin.com
Web: http://www.deniselaugesenteam.com
Dre: 01011089