{"id":327,"date":"2012-06-22T14:19:24","date_gmt":"2012-06-22T18:19:24","guid":{"rendered":"http:\/\/rtcinsurance.wordpress.com\/?p=327"},"modified":"2026-05-16T21:58:23","modified_gmt":"2026-05-17T01:58:23","slug":"florida-home-insurance-quote-importance-of-replacement-cost-contents","status":"publish","type":"post","link":"https:\/\/rtcinsuranceadvisors.com\/blog\/florida-home-insurance-quote-importance-of-replacement-cost-contents\/","title":{"rendered":"Florida Home Insurance Quote &#8211; Importance of Replacement Cost Contents"},"content":{"rendered":"<p style=\"text-align: justify;\">Being in the market for\u00a0a <a title=\"Florida Home Insurance Quote\" href=\"http:\/\/www.rtcinsuranceadvisors.com\/florida_home_insurance_quote.htm\">Florida home insurance quote<\/a>\u00a0can be difficult. You receive many quotes with different rates and limits. Why do the rates vary so widely between agencies? There is a clear reason.<\/p>\n<p style=\"text-align: justify;\">Often times you will receive a quote by two different agents for the same company with similar limits. However, an estimated price discrepancy between $75-$250 exist. Why is this? You know the rates are all state filed and agents can&#8217;t have different prices than the carriers allow.<\/p>\n<p style=\"text-align: justify;\">The most common reason is the lower priced agent didn&#8217;t include <strong>replacement cost for contents<\/strong>. The quote is set for <strong>actual cash value<\/strong> if a loss occurs. Basically, what this means is that even if your policy has $150,000 worth of personal property <a href=\"https:\/\/rtcinsuranceadvisors.com\/blog\/florida-homeowners-insurance-coverage\/\">coverage<\/a>, if a loss occurs, the adjuster will account for depreciation in figuring out what your contents are worth today. So, for example, if you bought a couch for $5,000 ten years ago, you might receive $500 for that couch under actual cash value.\u00a0 For a little more premium, and under replacement cost for contents, you will receive $5,000 for that couch.\u00a0 Depreciation is out of the equation.\u00a0 I wouldn\u2019t sacrifice receiving a fraction of what my contents are worth if a peril hits my home.\u00a0 Would you?<\/p>\n<p style=\"text-align: justify;\">Contact us at <strong>352-200-2066<\/strong> today so that we can tailor <a title=\"Florida Home Insurance Quote\" href=\"https:\/\/rtcinsuranceadvisors.com\/florida_home_insurance.htm\">Florida home insurance<\/a>\u00a0for you that will indeminfy you in the even of a loss.<\/p>\n<p><script type=\"text\/javascript\">\/\/ <![CDATA[\nvar __machform_url = 'https:\/\/rtcinsuranceadvisors.com\/machform\/embed.php?id=11504';\nvar __machform_height = 1318;\n\/\/ ]]><\/script><\/p>\n<div id=\"mf_placeholder\"><\/div>\n<p><script type=\"text\/javascript\" src=\"https:\/\/ajax.googleapis.com\/ajax\/libs\/jquery\/1.6.1\/jquery.min.js\"><\/script><script type=\"text\/javascript\" src=\"https:\/\/rtcinsuranceadvisors.com\/machform\/js\/jquery.ba-postmessage.min.js\"><\/script><br \/>\n<script type=\"text\/javascript\" src=\"https:\/\/rtcinsuranceadvisors.com\/machform\/js\/machform_loader.js\"><\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Being in the market for\u00a0a Florida home insurance quote\u00a0can be difficult. You receive many quotes with different rates and limits. Why do the rates vary so widely between agencies? There is a clear reason. Often times you will receive a quote by two different agents for the same company with similar limits. However, an estimated &#8230; <a title=\"Florida Home Insurance Quote &#8211; Importance of Replacement Cost Contents\" class=\"read-more\" href=\"https:\/\/rtcinsuranceadvisors.com\/blog\/florida-home-insurance-quote-importance-of-replacement-cost-contents\/\" aria-label=\"Read more about Florida Home Insurance Quote &#8211; Importance of Replacement Cost Contents\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[37],"class_list":["post-327","post","type-post","status-publish","format-standard","hentry","category-homeowners-insurance","tag-florida-home-insurance-quote"],"_links":{"self":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/327","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/comments?post=327"}],"version-history":[{"count":5,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/327\/revisions"}],"predecessor-version":[{"id":2550,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/327\/revisions\/2550"}],"wp:attachment":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/media?parent=327"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/categories?post=327"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/tags?post=327"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}