Show Plan An Insurance Checkup f v x- x sAre s- s Are you gambling with your family's home Even if it was built only last year it would cost more to replace today Your insurance policy needs to tobe tobe tobe be checked annually to tomake tomake tomake make sure theres there's enough coverage on your house But first you need to find out ut how much it will cost to replace your home t Next what type of material was used on the exterior A frame home is primarily wood with combustible exterior sid sid- ing ingA A mixed dwelling combines frame and masonry masonry ma ma- construction or or a masonry veneer or or wood framing To be classed N s as masonry a home must i Jh outside walls of HII did id masonry not just a masonry veneer O II Take a look at how your house is built Private Private Private vate homes fall into three general categories basic standard or custom The differences lie tie in the quality quality ity of the material design design design de de- de- de sign features arid and work work- manship A basic dwelling for example meets minimum minimum mini mini- mum housing housing- code requirements requirements requirements re re- re- re but has little or no decorative trim More than 70 per cent of the nations nation's homes are classed as the standard-the gro grouping ping above basic 1 I N I 1 dL C Count the number of finished rooms Areas such as finished attics and basements and attacked attached at at- tacked two car garages are considered full units Small baths and sewing sewing sewing sew sew- ing or sun sun rooms rooms and extras such as one-car one garages p and d. d t I central air conditioning are half Me TA O w. w I FRAME RAME O COUN l c liu z UNITS n 12 ur UNITS ITS S J JOO 00 iz 12 I UNITS lilTS SIf BASE COST TABLE Units Frame Mixed Masonry I 9 12 15 The illustration shows a range of average home replacement costs For example suppose you have a unit 12 standard home with frame construction Take the total number of units and read across the amount in the column which best describes the dwelling The home in this example will cost about to replace today More details based on locality and type of construction may be found in an use to guide called the Its It's available free from insurance ag agencies representing The Hartford Insurance Insurance Insurance ance Group The replacement costs it develops are a good way to help you avoid guessing about the amount of or insurance needed to r n protect your home n U n r n U |