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      11-15-2012, 03:33 PM   #7
Mr Tonka
says, Drastic times call for drastic measures
 
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Quote:
Originally Posted by passing View Post
pics or gtfo.



yes and no.

newer construction is always a plus. updated buildings (roofing, wiring, plumbing, heating/HVAC) dont necessarily lower premiums but they do make an aged building eligible for coverage.

the following are 5 classes of buildings from most expensive to least expensive:

frame, JM, MNC, modified fire, fire resistive.
Factor in being within 5 miles from the coast? (the bay actually, not the gulf)
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