How many times have you looked at your Homeowner's policy and thought that the coverage on your house was way too high? And that you could never sell your house for that amount. With the housing market being what it is, people think that the coverage on their homes should reflect the market value -- but you couldn't be more wrong. The difference between market value and replacement cost is that market value reflects what a home can be sold for but replacement cost is what a home can be ... read full post