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Market value vs.
replacement cost
Market value vs. replacement cost
What is market value?
The amount a buyer would pay for a home, including the land, 不管重建房子要花多少钱.
What is replacement cost?
重置成本是修理或更换整个房屋所需的成本. It is not any of the following:
- Market value of the home
- The home's or land’s initial purchase price
- Outstanding amount of any mortgage loan
Getting a home value estimate
Getting a home value estimate
在购买新房之前，确定所需的适当pp王者电子官网金额.
- Ask if a replacement cost estimate1 当你对房屋价值进行评估时是可用的吗.
- 咨询您当地的建筑协会或有信誉的建筑商的估计.
- Check with your State Farm® agent to help you with this process.
What factors could affect your estimate?
- 升级浴室或厨房(包括橱柜)
- Finished or partially finished basement
- Additional rooms or living space
- Custom molding or arched windows
- Age of the home
- Other unique features
为什么要每年检查你的房屋pp王者电子官网范围?
你最近是否重新装修过你的家?
自上次评估以来，通货膨胀率上升了吗?
州立农场提供的pp王者电子官网每年自动调整，以补偿你所在地区建筑成本的增加. However, 某些情况，如恶劣天气，可能会增加对劳动力和材料的需求，并使成本超过正常的通货膨胀. 为了跟上经济的变化，每年更新你的pp王者电子官网金额是很重要的.
影响你所在地区建筑成本的因素是什么?
请记住房主pp王者电子官网不包括的内容
请记住房主pp王者电子官网不包括的内容
Check your policy for specifics, 但大多数房主的保单不包括以下类型的损失. You might want some additional coverages.
Natural disasters & other causes
- Damage from flood or underground water
- Earthquakes or mudslides
- Settling, deterioration or contamination
- Nuclear hazard
- Animals, birds, or insects
Work-related
Vehicles
Get help from a local
State Farm agent
Want to know more about homeowners insurance?
房主在进行房屋pp王者电子官网审查时应该牢记一些有用的事情.
Being a first time home buyer can be daunting.
你的物品在运输过程中可能需要保护.
Protections to consider with your new home.
It wouldn’t be home without them. Are they covered, too?
学习如何以及为什么你应该把你所有的东西和它们的价值列一个清单.
当你想要更多的时候，这是额外的责任保障.
Disclosures
All coverages are subject to the terms, provisions, exclusions, 以及保单本身和任何背书的条件.
State Farm®(包括State Farm Mutual Automobile Insurance Company及其附属公司和关联公司)不承担任何责任, and does not endorse or approve, either implicitly or explicitly, 从本页超链接的任何第三方网站的内容. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third-party site. 访问第三方网站的风险由用户自行承担, 提供的信息仅供参考，而不是征求购买或出售可能在此类第三方网站上引用的任何产品.
State Farm Fire and Casualty Company
Bloomington, IL
State Farm General Insurance Company
Bloomington, IL
State Farm Florida Insurance Company
Winter Haven, FL
State Farm Lloyds
Richardson, TX