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Market Value vs Replacement Cost: Which Amount Should I Insure?

Market Value vs Replacement Cost: Which Amount Should I Insure?

by admin | Mar 12, 2018 | Home Insurance, Uncategorized

Before purchasing a home, you are required to purchase homeowner’s insurance as well. But how do you know how much to insure your home for? Most would think that they need to cover only the price they pay for the house. However, that price isn’t enough coverage to pay...
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What our clients are saying

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  • Judy stonitsch is very professional and helpful to me today. Thank you for your support and patience.

    lisa layfield
  • Mary Jo does a great job answering all my questions. I appreciate how quickly she gets back to me.

    Michelle Pollos
  • Such an easy place to work with and great customer service. It's a relief to know a knowledgeable, detail-oriented person like Mary Jo is helping us with all the details of our insurance.

    Damon Dorsey
  • Very responsive and works with your needs. Mary Jo has been great to work with we received multiple quotes for us to choose from.

    Kathy Stearns
  • Mary Jo was so very helpful in finding me great auto insurance. Thank you Mary Jo

    John Kogut
  • Mary Jo and Langlois Insurance is the best. She always is very fast to respond and help me when needed. I highly recommend the agency and Mary Jo as the agent.

    Gina Tuminello
  • I was done with my old insurance company and the increase in prices; not to mention, they put us through the ringer when we requested coverage for a new roof after 20 years of loyalty. Langlois was recommended to me by a friend who was a former employee in the insurance biz. I filled out some information online. Within an hour, Mary Jo, from Langlois called me to discuss more details and by the end of the day, I had quote that saved me hundreds of dollars. I expressed my concerns about buying "paper" because to be honest, when we did have some scrapes with our cars, our old insurance did not give us any issue. Mary Jo assured me that they don't sell "paper," their office is local and they are "old school"--meaning, if you need to come in and speak to a person, they are there. They are also easily accessible by email and even by text! I had to follow up on some matters after I signed and the response/ service was prompt. They encourage you to call them as a first line of defense. I just had a good feeling about this company. Meanwhile, I canceled with my old insurance--a big box company that starts with an "A" (20 years ago, I used to be able to talk directly to an agent from the office, but no more).Instead, I got a call center--a person who spoke minimal English, she didn't ask any questions, what can we do to keep you, nothing. The call center person just presses a button and you are canceled. You can just reach out to Mary Jo and the Langlois team and see what they can do for you--I did and no regrets.

    Stacy Komers
  • I have worked with Nancy the last few years for my home and car She always tries to save you money on your policy. I will miss her when she gone next year

    Judith McCauley
  • Judy Stonitsch helped me figure out an odd letter received from a different insurance company.

    joyce enos
  • Langlois Insurance Agency is the Best. Matt and the staff are friendly and always pleasant to deal with. They answer any questions in a very timely manner. We recently purchased a car and Mary Jo was wonderful. She answered our many questions, provided information quickly, and she made the process much easier. Debbie, Kristin, and Judy are always kind and a great help as well. No matter the situation, you always feel better after talking to them.

    James Holuj