Eric Kossian's (leavenworth) Blog

Most people think that the "replacement cost" they have on their home insurance means that the home will be replaced if there is a total loss. Unfortunately, this is not an accurate understanding. An estimated 95% of home owner policies with "replacement cost" actually limit the amount of replace...

I know a lot of people don't like this (the one's with bad credit) and I agree that it is not fair for those otherwise credit upstanding citizens who, due to no fault of their own, had a divorce or family medical situation that ruined their credit. Nevertheless, the truth is, from an actuarial st...