I would ask your insurance agent how did they arrive at such a high reconstruction value...I am a Farmers agent and we use a software called 360 value where you input the address and based on the area/and the number of claims and material used in that particular area the software will tell us a guestimate of the amount it would take to rebuild the home...So this is very important because it directly affects your insurance premium (the money you are paying for that specific coverage) The personal property amount should be lowered if you don't think you need this much because again this is affecting you premium and you're basically being over insured which costs money...liability at 300K is what I suggest when the owner is residing at the property if you are not living in the property and you renting it to others I would suggest 500K the maximum (for Farmers) is 1 million....medical payments to be honest will rarely be used (this is for example someone gets hurt on your property and they come after you for medical payments this would come from here) but to be honest if someone gets hurt on your property and they come after you for money is going to be more than $3K thats why its important to have the right amount of liability this is where the monies would usually come from...and loss of use is the monies that would be applied to a hotel stay while your property is being reconstructed from the covered loss that occurred...on the other hand if you are renting the property these monies would go towards the rents you would go without while the property is inhabitable...hope this helps!

I have interest in a property in Salt Lake City from a Medical student and her partner who is also a medical student.

If you google Sanger Financial their webpage will come up.Thanks,Joint VentureAcquisition and Development Funding10/100 ProductProduct Parameters$5M to $750MM Partnerships – construction / development projects; income producing property and business ventures with our Joint Venture SBLC leverage program.All project values are calculated in US Dollars.We have an appetite for virtually any venture that makes sense - income producing properties, such as hotels, motels, apartment complexes, subdivisions, medical buildings, assisted living projects, almost anything that is real estate associated, business financing, project debt restructuring, jumbo residential purchases, etc.

While gold has intrinsic values, used for flaunting wealth, medical applications and electronics, in really chaotic times Tom, IMO, gold might not get you what you want.Moving on to the graduate level, Byran, (lol) that would be beyond Fox U., there are survivalist schools of thought for hording gold.

I don't care about credit, IMO paying your rent could be a priority over credit cards and medical bills and if the tenant has a good record of paying their rent (no eviction history) I don't think the credit history will tell me much.I also plan to accept applicants with an eviction history as long as it is not too recent and I will require an increased security deposit to account for the increased risk.

When its hot, the house grows black spikes that act as heat sinks to cool the house.I'm not convinced we will get to the point of having electric generation at every house, but I do see potential for smaller, more distributed electric generation.I suspect it won't be long before your bathroom is equiped with medical analyzers.

. $350 per resident on a bi-weekly basis.There are state monitored facilities and private- non medical.

Also check with your insurance and make sure such a thing is covered.A lot of people rent out rooms to visiting oil men or medical students.

Pay off those Credit cards, your medical bills, that flashy new car, or whatever else you have that is dragging you down.  

Had to move due to family medical reasons.