What does actual loss sustained clause mean in my home owners insurance?

Is this a good thing or should I change it?

This is a very very very bad thing. I recommend using a trusted ins company like instantlend

Someone asked this a couple days ago.

It means, there's no dollar limit to the amount they pay out. It's usually a time limit - like 12 months. It's a good thing, but even if you don't like it, you can't change it.

Homeowners policies are "package" policies. Once you have the dwelling value, you're stuck with preset percentages for the other structures, loss of use (when it's not ALS), and contents. Sometimes you can RAISE the amount, but you can't lower it.

ps, Amy K saying it's a bad thing - she has NO idea what it means.

That sounds a lot like "actual cash value". In other words, the insurance company will only pay you what the house or household item was worth at the time the loss was sustained.

Living out in the sticks, I had my riding lawnmower stolen a couple years ago. Since it was two years old, they took what I originally paid for it and depreciated it down. They gave me a check for that amount LESS THE DEDUCTIBLE.

The best scenario is to have homeowners insurance with replacement cost on the dwelling and the contents. Get your agent to play with the deductible a little if you want to keep the premium down.

I was a property/casualty insurance agent for 8 years.

Hope this helps

Ask your representative, and make him answer you until you understand what it covers.

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