Sentences with phrase «than replacement value»

A shortfall can occur when your home is insured at less than replacement value.

You can also lower the amount you pay each year on the best rental insurance by considering actual cash value rather than replacement value protection.

Actual cash value is a lot cheaper than replacement value protection but you may also be looking at out of pocket expenses if you need to make a claim.

The reason why anyone chooses actual cash value as their Livermore renters insurance reimbursement method is because the premium is lower than the replacement value option.

The actual cash value is what everything costs now and is cheaper than replacement value, which is replacement by providing you with the purchase price of each item so that you can replace that item.

Likewise, you don't need to insure your property for more than its replacement value..

For instance, you may want to just opt for the cash value, which is the value of your items now rather than the replacement value, which is how much each item cost when you bought it.

HO - 8: Older Home Allows you to insure your home for its market value rather than its replacement value.

An HO - 8 policy allows you to insure your home for its market value rather than its replacement value.

Many older homes have a lower market value than replacement value.

If you want to save on premiums, you can get actual cash value for your contents which is less expensive than replacement value.

A cash value policy, which pays for your personal property on a depreciated basis, costs less than a replacement value policy that will provide enough money for you to replace your items.

For fine jewellry, an outdated appraisal could mean that you could be insured for less than the replacement value.

However, the market value of a home is different than the replacement value which is often used for both tax assessment and replacement cost by states and insurance companies.

The market value of a business with a sustainable competitive advantage can, by contrast, stay much higher than its replacement value simply because it can sustain a high ROIC.

A cash value policy, which pays for your personal property on a depreciated basis, costs less than a replacement value policy that will provide enough money for you to replace your items.

If your car is less than a year old, it's ACV will likely be substantially lower than its replacement value.

Not exact matches

As part of its pitch, the company explains to potential customers that the so - called «net present value» of a $ 7,000 saddle is actually less than the all - in cost of using an ill - fitting one — expenses that include frequent vet bills, replacement saddles and even the costs associated with the premature death of the animal due to saddle - related health problems.

When you invest with Fundrise, you're investing in real estate properties that we've acquired for less than what we believe is their intrinsic value (i.e. their replacement cost).

In general, I believe Shanahan values centers more than OGs, so it makes sense that he'd like to draft a guy to play OG who could very likely be the replacement for Richburg in case of an injury — without a big drop - off in production.

I know CR7 is a far more important player to them than Santi is to us, but finding his replacement would be a very difficult task, I just don't understand the need for us to complicate our transfer window because we're getting # 5 - 10m extra than his face value (according to you anyway).

In math terms, replacement level is higher than it used to be for a 5, so value over replacement for even the best bigs is lower.

There are a number of potential explanations for this finding, including a limited supply of effective teachers (it's rational to keep a mediocre teacher if the likely replacement will be no better), a lack of administrator ability to discern teacher quality (their observations are less predictive of value - added than those of outside observers), or a simple unwillingness to make the unpleasant decision of firing someone.

A highly effective principal might improve the school's value - added so that it is more effective than it was in the past, but it is likely to take several years before the combination of staff development, improvements in school environment, and replacement of ineffective teachers can make the school a high - value - added school.1

Depending on how «new» the car is, you might pay a higher premium if you buy a car that is less than 5 years old due to its high replacement value.

If I were repairing a 10 year old car, I'd buy a used one too rather than spend nearly 20 % of the book value of the car on a brand new replacement part.

If your car has all of its original manufacturer parts or if you've had OEM replacement parts installed on your vehicle, its value may be higher than if you had non-OEM parts installed following a collision or some other unfortunate event that resulted in repair work being necessary.

As well as being # 70 / $ 100 cheaper than its respectively specced replacement, the new cut price value sees consumers given the chance to join the Apple branded tablet revolution for around the same outlay as a selection of the less notable and commercially successful Android offerings.

This protection is, of course, at replacement cost, meaning that you get the coverage you need to replace things that suffer a loss at retail, rather than the actual cash value of the property.

In addition to having coverage for replacement cost rather than actual cash value (AKA «Craigslist price»), you'll want your home inventory to reflect the replacement cost of that item.

Remember that the policy generally will cover replacement cost, so a claim would result in you being able to replace the property rather than just getting the depreciated value of your things.

As manufactured homes generally depreciate over time, the actual cash value will typically be less than the replacement cost.

Personal property coverage on renters insurance is often at replacement cost, rather than actual cash value.

Generally there is a small deductible on New Jersey renters insurance, and from that deductible on, your personal property is covered at replacement cost rather than actual cash value, up to the limits of the policy you've selected.

It is important to note that this property is insured at «stated value» rather than replacement cost, and the deductible that applies is typically lower than your policy's regular deductible.

The premium will be priced based on the same factors as any other home - the replacement cost value, the deductible you choose and other applicable risks - but it will be higher than if the same home were your primary residence.

There are many other perils covered by the policy as well, and you get replacement cost coverage that allows you to purchase a replacement item at retail rather than having to make up the often significant difference between retail price and the actual cash value that some policies provide.

Some providers will try to sell actual cash value policies and then expect you to pay more than the original quote if you want replacement cost.

Many storage policies reimburse only for an item's cash value at the time of loss, which may be less than replacement cost.

However, an actual cash value policy is cheaper than a replacement cost value policy by about 10 % according to the Insurance Information Institute.

Replacement cost coverage is standard, so if there's a property loss, you'll have enough coverage that you'll be able to replace those items at retail, rather than worrying about the actual cash value of the items.

Personal property coverage is generally at replacement cost, so you get the money you need to go buy new property rather than the actual cash value.

We follow a value investing strategy of buying investments for less than what we believe is their replacement cost, then improving the real estate through hands - on management and partnership with local operators.

The reason why old property may be more expensive to insure is that, their replacement cost may become higher than their market value overtime.

Besides, their liability would only pay you actual cash value rather than replacement cost, generally speaking.

Replacement cost means you can buy new items to replace the damaged ones rather than relying on the actual cash value of the property.

Other factors than can affect the cost of your policy include your choice of deductible, whether you opt for actual (depreciated) value or agreed value replacement coverage, and the coverage options you choose.

Analysts, however, don't pay much attention to the absolute number, because the replacement values are likely overstated (or, to put it another way, companies could replace their current assets with assets of comparable condition for less than the stated replacement cost).

Personal property is covered at replacement cost rather than actual cash value on most Idaho renters insurance policies in 2018.

That said, you could also argue that the windows and flooring also provide a lasting benefit — as they are more than repairs or replacements, but, rather, upgrades that cost more and add more value to the cottage.