When Longtime Homeowners Assume Their Insurance Is Enough: Mark and Linda's Story

https://technivorz.com/replacement-cost-vs-actual-cash-value-5-critical-questions-to-decide-which-coverage-protects-you-best/

Mark and Linda bought their house 10 years ago. It was a tidy craftsman in a quiet neighborhood. They painted, updated the kitchen slowly, and never filed a claim. "Insurance is expensive," Mark told me once