Do me a favor and find your Homeowner Insurance declaration pages. Look at your Contents limit, also known as Personal Property. Now, look under Endorsements (Additional coverages) and make sure that you see Personal Property Replacement Cost. If you see that, fantastic! If you do not, call your agent now!
When I have been requoting clients from other agencies, I have come across this problem all too often. Perhaps your realtor gave you a quote from an agency that they do business with, and although it’s awesome that they were trying to help you, they do not specialize in insurance and may not have an understanding of what they are looking at.
Unfortunately, there are insurance agents that offer the lowest premium to keep getting these referrals, even though they are excluding coverages to get it that way. Think of it this way, if you are offered chocolate chip cookies, which would you choose? Just a few chocolate morsels, chocolate with every bite or double chocolate chip? What good is a chocolate chip cookie with only a few specks of chocolate?!?
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