[RedChariot]

What is your take on this type of insurance. KIN, Loggerhead, Towerhill, just to name a few are in business about 5-6 years. They claim to have low premiums with equal coverage. How safe do you feel contracting with a company like this as opposed to a national company such as AAA, All State, State Farm etc.

Not to cloud the issue but I have read that most of us are underinsured regarding replacement value of our homes. If home is a total loss due to a lightning strike fire or hurricane, would your replacement value cover the cost to rebuild your home with all the upgraded surfaces etc you presently enjoy? Or are you only insured enough to replace the basic building? Lumber, Labor costs go up every year. Do you upgrade your policy periodically to reflect present day costs?

Your thoughts on both issues presented would be most appreciated.

Thank You