This is the most common policy in the market.
Is written with replacement cost on the structure and contents
Can me amended with a broad range of different endorsements
If you own a Vacation Home This can be written on an HO-3 form as well
This is written on an HO-6 form
This covers everything inside your condo.
Includes all walls, trim, stair cases etc
Covers what master homeowners policy doesn't cover.
Add a footnote if this applies to your business
We obtain information about your home directly from your county property department
We use the county information and put it all into an MSB estimator
MSB = Marshall & Swift/Boeckh. The leading provider of building cost information, residential and commercial founded in 1930
All of our carriers demand a replacement cost before we can obtain a quote. So we use the MSB values to arrive at a premium. We done this for over 30 years, and no complaints so far. The entire process takes about an hour.