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Do You Know If You Are Under-Insured or Over-Insured?

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What is Agreed Value?

Agreed value insurance endorsements eliminate the coinsurance clause found in most standard property insurance contracts. Using this endorsement, the carrier, the client, and the agent all agree that the limits set forth on the “statement of values” are accurate and in lines with either the replacement cost or actual cash value of the buildings and personal property. Commercial Insurance without this endorsement is sometimes called “penalty insurance”.

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