Trust JIA .com

Trust JIA for all of your insurance needs!
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Phone (501) 457-7369
1420 Braden St
Jacksonville, AR 72076
Fax (501) 251-1033


Homeowners pic

2011 was a record year for storm damage. Sadly, in the aftermath, many found that they were greatly uninsured. In many communities lots still stand vacant due to the owner’s inability to rebuild.

When purchasing Homeowners insurance there are some key points you should understand. For instance, what is the difference between replacement cost and actual cash value. A common misconception is that replacement cost is the same as market value. Replacement cost is the amount of coverage needed to return you to the status you enjoyed prior to suffering loss. Market value is the amount your house would sell for under current prices. Actual cash value is replacement cost minus depreciation minus deductible.

To find out which type of coverage would be best for you, contact us today. We would be happy to review your current policy to ensure your coverages are adequate.