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I read your post on the best of list and I thought I would add my 2 cents. Your property goes up a one percent per year and the insurance increase a one percent per year. Why does the insurance go up one percent???? Is the dirt, pipes, foundation and in the ground stuff replaced. What is the wood value and the interior value. They have no clue. When a value goes up it's the dirt not the house replacement value. They were going on the purchase price of the house. Is purchase price and replacement price the same, no. I had a argument with a insurance agent about this and he got mad and reduced the premium.
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