1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    In Arkansas, as in every other state the best homeowner’s policy is the one that is in force and pays the maximum amount at the time of loss.  While premium is important, having the correct limits is much more important.  It is also important to understand how claims are going to be settled.  It is such a disappointment when a policyholder has damage to their property and find that it will be “settled” based on its price as a used item.  This is particularly true when they need to replace the item with a new one.  Check with your agent, that is the best source for the best insurance.
    Answered on May 14, 2014
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