Home Insurance Coverage Loss Of Use Vs. Type Of Home Insurance Coverage. What's Smarter?

Loss of use vs. type of home insurance coverage. What's smarter? - home insurance coverage

On the home page cover, which is the best way forward:

I want another insurance company for the house and two cars. (This is in California).

When comparing the two airlines, everything is "apples to apples" in the car, but insurance is different, and companies can not agree to these terms.

Option A: I have "replacement cost plus 25%" for the housing and the "extended replacement cost" which means to "external factors", The Dish, external devices, etc. It is my opinion that this scheme probably has middle-of -- the street. "Actual value" is to be the basis and replacement "guarantee" the best.

But even in this meet, is my "loss of enjoyment" 100% of the housing stock. This is not the typical 20%, I read the standard.

Option B coverage is its "replacement guarantee", which I think is best. But the loss of use is only 20% of the dwelling.

Subjective question - but it's the smartest way to move forwDR?

Thank you.