Sentences with phrase «than the replacement cost if»

the amount of dwelling insurance is automatically increased pro rata annually to ensure the insured will not receive less than the replacement cost if there is a loss.

Not exact matches

«Investing in more speed and capacity than is necessary not only increases costs today without a corresponding benefit but it also adds the risk that if and when projected growth is achieved, the once modern machinery may be worn to the point that repair or replacement is needed or worse, it may be made obsolete by new technology.

was reading online somewhere today that barca were willing to let pedro go for about # 15 million this could be a bargain for a quality player and if corzola (who cost # 18miillion) decides he wants to go next year back to spain we have his ready made replacement in pedro he is hybrid of sanchez and corzola (great two footed player) skilled in the barca hard working style and energetic and at 27 he would be at his peak and can score goals from wide areas we would have added edge to our attacking play if we cant get reus he would be a great second chioce would be a better investment than aarons me thinks.

Although, credit where it is due, if it was about money they would have sold Özil and Sanchez in the summer (by all accounts Sanchez» replacement would cost more than double what we paid for him)

Since each box of 7 meal replacement costs $ 15 — $ 16 & if you are buying 5 boxes a week, it comes to more than $ 300 a month for one person.

However, maintenance and replacement costs must be factored into the school's budget, and if there are aspirations for a specific materials or plant, the on - going maintenance and replacement cost must be considered, as these can amount to significantly more than the initial outlay.

Even if a major incident does not occur, other costs can arise down the line, such as premature replacements where new systems are needed sooner than expected.

If you have full replacement coverage for your personal property, your insurer should pay for a new 42 - inch flat - screen TV (even if it costs $ 300 more than the comparable model you purchased eight years agoIf you have full replacement coverage for your personal property, your insurer should pay for a new 42 - inch flat - screen TV (even if it costs $ 300 more than the comparable model you purchased eight years agoif it costs $ 300 more than the comparable model you purchased eight years ago).

If you have anything more valuable than the old bed and bookcase your parents gave you when you moved out, go with a replacement cost policy, Larkin - Thorne says.

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.

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.

PMV and replacement cost are related — if you can buy it for less than replacement cost, then you are buying it for less than PMV.

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.

If the dwelling is relatively recent construction, the replacement cost is often less than what is paid for the dwelling because you already have the land and it's just the price of rebuilding.

We offer replacement cost coverage.See note2 That means rather than depreciating an old TV to almost nothing, your policy would compensate you enough to buy a new one if it was stolen or damaged.

The retailer can veto either though if it's impossible to carry out a repair or the cost of a replacement is much higher than that of a repair.

There are often various costs tacked on, like PMI if you're buying with less than 20 % down, or in my case, required flood insurance coverage that was well above the house's replacement cost.

If you have multiple cats or a cat who urinates more than most — think cats with diabetes and kidney disease — the cost of replacement litter trays will probably make the ScoopFree an impractical option.

Most vacant home insurance policies don't provide extended replacement coverage, but if your property is less than 25 years old, we can add replacement cost coverage.

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.

Features like car rental coverage may not seem essential when you view them as just another added cost, but the increase in your rate may still be lower than the cost of renting a replacement vehicle if your damaged car is in the shop for a while.

If you would want it to be rebuilt exactly as it stands today, you need replacement cost coverage since it would probably cost more to rebuild it than to buy something similar.

Replacement cost is a better option: It reimburses you for the original value of the item (or one of similar kind and quality at today's replacement cost if the item is no longer available) and costs only slightly more than actual Replacement cost is a better option: It reimburses you for the original value of the item (or one of similar kind and quality at today's replacement cost if the item is no longer available) and costs only slightly more than actual replacement cost if the item is no longer available) and costs only slightly more than actual cash value.

Though, experts usually recommend insuring your property on a replacement cost basis because if you bought an item several years ago, its current value may be considerably less than the total cost of replacement.

If your car is damaged too badly and the replacement costs are higher than the actual value cost of the vehicle, then providers may choose to pay you out and «write» your auto off.

Repair or replacement otherwise: If the loss to their home is caused by an event other than a natural disaster, with SumExtra you're covered for the repair or replacement of your home even if the cost exceeds the Sum Insured amounIf the loss to their home is caused by an event other than a natural disaster, with SumExtra you're covered for the repair or replacement of your home even if the cost exceeds the Sum Insured amounif the cost exceeds the Sum Insured amount.

The insurer still has to pay the claim (but may not have to pay for the replacement of the modified parts if they cost more than the standard parts and accessories for the vehicle).

Even if you drive one of the safest cars out there, if your car costs megabucks to fix, your insurance may be higher than if you drive a car with inexpensive replacement parts.

For example, if you have replacement cost coverage and your laptop is damaged in a lightning storm, you will be given a check to purchase a laptop of the same size and brand, rather than a check to cover what the laptop is now actually worth.

This is very different than Replacement Cost where if you choose not to replace the item, or rebuild your home, you may only be offered the depreciated ACV as a settlement option.

If Coverage A increases (because the insurer has applied the extended replacement cost provision of the policy - i.e. the bid from the contractor to rebuild is MORE than the amount listed on the policy for Dwelling / Coverage A), the other coverages will also increase by specific percentages.

Collision and comprehensive coverages pay you for vehicle repairs and replacement based on the cost of your vehicle, and if your vehicle is not worth more than you can afford to cover the coverage may need to be lowered.

Your Frederick, MD Renters Insurance will offer coverage for replacement cost on your personal property, so that if there's a loss you can quickly replace the item with a new one rather than fighting over the actual cash value.

If your dwelling limit accurately reflects your home's true replacement cost, some insurance companies will pay more than the limit if a covered loss is greater than the limit on your policIf your dwelling limit accurately reflects your home's true replacement cost, some insurance companies will pay more than the limit if a covered loss is greater than the limit on your policif a covered loss is greater than the limit on your policy.

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.

If you buy a new RV costing anywhere from $ 30,000 to more than $ 200,000 and haven't purchased full replacement cost coverage, you can be saddled with significant costs if it is totaled in an accidenIf you buy a new RV costing anywhere from $ 30,000 to more than $ 200,000 and haven't purchased full replacement cost coverage, you can be saddled with significant costs if it is totaled in an accidenif it is totaled in an accident.

Why pay for insurance to repair a vehicle if the value or replacement cost is less than the policy?

Replacement cost coverage means you'll get reimbursed for what the item would cost to replace in today's market even if today's cost is higher than what you paid initially.

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.

Replacement Cost Insurance normally costs about 25 % more than the Actual Cash Value policy but if you can afford it, it's worth the larger payment.

If your dwelling limit accurately reflects your home's true replacement cost, some companies will pay more than the limit if a covered loss is greater than the limit on your policIf your dwelling limit accurately reflects your home's true replacement cost, some companies will pay more than the limit if a covered loss is greater than the limit on your policif a covered loss is greater than the limit on your policy.

If your policy limit is less than 80 % of the replacement cost of your home, any payment from Novak Insurance Agency will be less than the full cost to replace your home — you'll have to pay the rest out of your own pocket.

If you replace the items with an item of similar quality, within a specified time, the insurer will reimburse you the full replacement cost you to replace the item rather than the depreciated value.

Replacement cost coverage is more expensive than actual cash value coverage, but you'll be glad you paid the extra price if you suffer a major loss in a catastrophe.

Depending on your coverage the insurance company may also factor into the equation the cost of a rental car, so if your repairs are going to take a long - time even if the repair bill is lower than the total loss figure — the costs of providing you with a hire car in the interim, may leave the insurer to decide that it's not worth pursuing the repair and instead they will pay out the replacement cost of the vehicle.

Again, if you choose a policy with agreed upon coverage rather than replacement cost, then the benefit will only be what you agreed upon.

If the cost to replace your car is higher than your loan balance, it may be best to have new car replacement coverage.

If you feel your home insurance dwelling evaluation is too high, and you don't think you need guaranteed replacement cost, and you're convinced a lesser amount than your evaluated dwelling value will cover you sufficiently in a claim, then you can take your chances and ask your insurance company if there is a possibility to lower your insurance cost by getting replacement cost, versus guaranteed replacement cosIf you feel your home insurance dwelling evaluation is too high, and you don't think you need guaranteed replacement cost, and you're convinced a lesser amount than your evaluated dwelling value will cover you sufficiently in a claim, then you can take your chances and ask your insurance company if there is a possibility to lower your insurance cost by getting replacement cost, versus guaranteed replacement cosif there is a possibility to lower your insurance cost by getting replacement cost, versus guaranteed replacement cost.

If your home were to burn down, for example, your policy may allow for reimbursement of the home's market value, rather than its replacement costs.

This kind of prevention is going to cost much less than having to pay for an expensive repair or replacement suddenly, especially if you don't have a nest egg set aside for just such an occasion.