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<p>[QUOTE=&quot;GDJMSP, post: 4903259, member: 112&quot;]The one that gives you about 8 different pricing sources at a single glance - Heritage. Look at all of them, average them out, then add 25% to that to cover potential market movement. That gives you your insurance coverage level. Then - once year and before your premium is due, do it all over again and adjust insurance coverage as needed, if needed.</p><p><br /></p><p><br /></p><p><br /></p><p>Doesn&#039;t really matter, you can use either one - because the 25% you add will cover all variables.[/QUOTE]</p><p><br /></p>

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