Replacement cost is the amount it costs to rebuild a home or structure.  This amount can also include demolition.  This value can be significantly different than an appraisal.  Reason being, the cost of materials to rebuild can outweigh a home or structure’s market value.  When insuring a home or structure the insurance company needs to know the replacement cost.  There are tools that our agents use to help approximate this value.

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  • Avatar George Janeira ★★★★★ in the last week
    We had a great experience with Josh. Got better coverage and saved money. Josh walked us through the process and made it really easy to choose the best insurance for our needs.
  • Avatar Chris Pruitt ★★★★★ 2 weeks ago
    Josh is amazing! He went above and beyond to walk me through everything part of my policy and the numerous questions I had throughout the process. Highly recommend!!!
  • Avatar William Corbett ★★★★★ a month ago
    Josh was great to work with, explained everything carefully and found us the best price.
  • Avatar christina datillo ★★★★★ 2 months ago
    Josh was a great help finding me the best rate for my auto insurance. He explained everything thoroughly and answered all my questions.
  • Avatar Ian Schneider ★★★★★ a year ago
    Josh and the Policy People Team are incredible. Josh not only delivered above and beyond for our insurance needs, but took the intentional time to walk my wife and I through all his recommendations and reasons for them. The best part was … More how he did it. I always knew I could call to chat through the options, and we did before making the final decision, but he recorded a personalized video to start so we could watch it at our convenience. The video was detailed and covered all our questions before we had a chance to ask. Cheers to a long relationship with Policy People!
  • Avatar Juliana Dearing ★★★★★ a year ago
    Working with Josh Chambers at Policy People Insurance Group has absolutely been the best insurance experience we’ve ever had- not even exaggerating a little. From completing the initial questionnaire to the incredibly detailed PERSONALIZED … More video explaining his recommendations and WHY, this experience has not only created a client for life, but professionally I will be recommending my clients to Josh as well!
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