WHAT IT WILL COST TO REBUILD THIS...WINTER

HOMES AND RENTAL PROPERTY

Trend of Construction Costs of Dwellings

FOURTH QUARTER 1999

Values on residences and rental property have changed during the past five years. If your insurance was adequate before, these percentages indicate approximate amounts to increase your insurance now.

Increase policies by these percentages:

--POLICIES WRITTEN--

Oct., Nov., Dec.	1994	1996	1998
Frame	+13.7%	+8.3%	+3.8%
Brick	+14.0%	+8.8%	+4.1%

APARTMENTS, HOTELS, OFFICE BUILDINGS

Trend of Construction Costs--
Apartments, Hotels, Office Buildings

FOURTH QUARTER 1999

Percentages below indicate amounts necessary to increase policies on apartments, hotels, and office buildings expiring this winter if the policies were previously written in adequate amounts.

Increase policies by these percentages:

--POLICIES WRITTEN--

Oct., Nov., Dec.	1994		1996	1998
Brick-Wood	+13.2%	+7.8%		+3.4%
Brick-Conc.	+12.9%	+7.0%		+3.0%
Brick-Steel	+12.1%	+6.5%		+2.7%

FACTORIES AND COMMERCIAL BUILDINGS

Trend of Construction Costs--
Factories and Commercial Buildings

FOURTH QUARTER 1999

Factories and commercial buildings likewise cost more to build this winter. Figures below show amounts to increase previously adequate policies covering factories and commercial buildings.

Increase policies by these percentages:

--POLICIES WRITTEN--

Oct., Nov., Dec.		1994	1996	1998
Frame	+11.3%		+4.8%	+1.3%
Steel	+9.8%		+3.9%	+0.1%
Brick-Wood	+11.8%		+6.9%	+3.4%
Brick-Conc.	+11.5%		+5.7%	+1.1%
Brick-Steel	+14.1%		+8.2%	+2.9%

Written permission was granted by the owner of the copyright, Thomson Publishing Corporation, Stamford, Connecticut, prior to using BOECKH's Building Cost Index, in whole or in part. The charts and percentages are based upon national average construction cost figures and are used for demonstration purposes only.Actual local construction costs, or an appraisal, should be the final basis for determining your property values.