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{ ... ̂ ̂ • » V V w The Law Serves You + + + * + l » J « L + • • • • • • • + Your Home Is Worth. More Today? Then It May Be Under-Insured If you are a homeowner, can you say for certain that the fire insurance coverage on your _ > • • » » » • . hou§e,is sufficient to cover its* replacement value in today's rising real estate market? . Increased building costs together with other factors, including any improvements you may have made to your home, are j almost certain to have increased its value con­ siderably during the past few years. Meanwhile, if the limits of your fire insurance coverage have remained unchanged, you would probably be inadequately compensated for the loss if your house were to be destroyed, A., even partially damaged, b* fire. According tolhe Illinois State Bar association, to be adequately protected against fire or other catastrophe, a home should be insured at 80 percent of ^replacement value, assuming 20 percent of the value is in underground im­ provements which would escape destruction. In many cases, insurance" at 100 percent of value is desirable, meaning the face value of the policy, plus any increases by en­ dorsement, should be the same as the current market value of your home. Here are other insurance guidelines offered by the ISBA: The insurance policy should include protection against' a variety of perils, including fire and lightning, windstorm, hail, explosion and possibly riot damage and other perils. A fire j and - extended - coverage policy or package-type Homeowners, or "HO" policy offers this kind of broad coverage. 'j v. The "HO" policyholder who maintains his insurance at 80 percent of value is reimbursed at full repair or replacement cost in event of partial damage to his home. On the other hand, if he is insured at less than that amount, he is compensated for damage only at the rate of replacement cost less depreciation. the policyholder can hedge against future increases in the replacement value of-his home by subscribing to an "in­ flationary guard endorsement" to his policy: If he does this, the insurance coverage will be ̂ increased automatically ever^ three months at a specified rate designed to keep coverage in line with replacement value. Under a broad form "HO" policy, personal property, k including furniture, clothing Editor s Quote Book U'hoeur ]>ays you more court than Ik ^is actustorm d to pay, cither intends to de­ ceive you or fin4* acces­ sary to him. - ---John Courtenay PAGE 11 - PLAINDEALER-WEDNESDAY, JANUARY 8, 1975 and other contents oLtfie house are insured up to 50»ereent of the amount of insurance on the dwelling. However, the owner shmdd be sure that this arrangement5 will provide adequate compensation in case of loss. People who rent their house or apartment also can insure1 their personal possessions under tenants' policies. • . . , To be sure their insurance ' coverage is up to date, their insurance agent or homeowners should consult broker, the ISBA says. ONE WEEK OF FANTASTIC INFLATION FIGHTERS! HOLIDAY DISCOUNT Prices effective through January 15th. Right re­ served to limit quantities. Due to space limitations, some stores may not carry "all ad­ vertised items. .../ THESE ITEMS AVAILABLE AT SUN HOLIDAY DISCOUNT ONLY. BORDENS 1% Low Fat Milk r 6-12 OZ. CANS i CANFIELDS Pop 6-12 OZ. CANS 20 6-12 OZ.CANS Meister Brail Meis Cigarettes $Q76 W CTN. THIS IS OUR EVERYDAY LOW PRICE mwMWzm FILTER KINGS TWO PRINTS FOR THE PRICE OF 1 YOU GET AN EXTRA SET OF PRINTS FREE A HOLIDAY EXCLUSIVE Free Album Page tailored to your prints free with each film processing order. REG. 89* PRO ADULT TOOTHBRUSH--SAVE JANUARY INFLATION FIGHTING THROUGH JANUARY 15th!!! SUNNY-MONEY COUPON REG. 17.95 SCHICK FRESH AIR MACHINE WITH ONE REFILL-SAVE 14" Sprays to freshen air every 15 minutes. Kills odors. FRESH AIR REFILLS By Schick. Three scents. 1 2 9 91 KLEENEX FACIAL TISSUE LIMIT 3 125 Boutique tissues Assorted colors. 2 ply. Good through January 15th REG. 22.95 GILLETTE SUPER MAX STYLER DRYER--650 WATTS STRONG 3 styling attachments and _ 2 setting positions. Save! • *** SUNNY-MONEY COUPON NEW GOLD ALKA SELTZER! 5.50 NORTHERN HEATING PAD WITH THREE HEAT SETTINGS Wetproof. Three heat set­ tings. Model #741. Save! ^ 7 1.89 DAVCO 26-GAL. SUPER 1.49 QUEEN SIZE TRASH BAGS--SAVE! CELLULOSE SPONGES METAL LAP TRAY 1" 66s 26 heavy duty bags. Assorted size sponges. SAVE ON SEWING NEEDS |0ASSOrt° u VLiCtW 6.19 WILHOLD SEWING CHEST 14x972x874" green with 2 handy trays. Sav<^! CVTEI1U V. 1 ,f' 495 POLYESTER THREAD 12-PACK Favorite assorted color threads. Save now! 50 ARDEE GOLDEN EYE NEEDLES Reg. 60c. 50 various size needles. A sewing necessity. 29 REG. 50c ARDEE SAFETY PINS 55 pin assortment for all your sewing needs. Save 42%. 29 LIMIT 1 Reg. 77c. 20 tablets! without aspirin. Save! Good through January 15 th SUNNY-MONEY COUPON 1.29 SCOPE MOUTHWASH LIMIT 1 18-ounce bottle. For the freshest breath! Good through January 15 th Assorted colors. Save1 \ SUNNY MONEY COUPON ENVELOPES Choice through January 49- HEET GAS LINE ANTI-FREEZE--12 0Z. Save now on this winter d r i v i n g n e c e s s i t y . Prepare for winter. REG. 69c FURNACE AIR FILTERS-SAVE SUNNY-MONEY COUPON LISTER0L DISINFECTANT Six sizes. For clean air. Helps keep your house dust free. Buy now! LIMIT 2 Reg. 1.29 14-ounce spray kills germs. Good through January 15th /. 4512 W. RTE. 120 We Reserve The Right To Limit Quantities While They Last STORE HOURS - D^lily 9-10, Sun. 9-9 McHENRY