1. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    If you talk to your Insurance Professional you may hear the term "Insure to Value" (ITV) used.  Simply stated, you should insure your home to the calculated full Reconstruction Value.  Not only does this make good sense but it also allows the Reconstruction Guarantee to apply should you need it.  The bank will need to see coverage at this level too as a condition of your loan.
    Answered on May 13, 2014
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