---
title: Insurance Blog | Lang Insurance
description: Read the Lang Insurance blog for local, interesting and up-to-date insurance news.
---

# INSURANCE BLOG

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[**Questions to help set home replacement cost** — When you’re buying homeowner insurance, how do you determine the replacement cost of your home? Many homeowners automatically base the replacement cost on the current market value. But that method could leave you with unpleasant surprises if you have a loss. — Your insurance agent can use cost… — Oct 8, 2020](/blog/2020/personal-insurance-questions-home-replacement-cost)

[**Get serious about distracted driving** — Distracted driving has become an escalating and deadly problem. The National Highway Traffic Safety Administration recorded 2,841 distracted driving-related deaths on our nation’s roads in 2018 – 7.8% of all crash fatalities that year. — — While the number was down from 2017, we have a long way to… — Sep 24, 2020](/blog/2020/safety-tips-serious-about-distracted-driving)

[**Emergency planning: Is your family ready?** — Disasters can happen anytime…anywhere…to anyone: Be prepared. — The past decade brought an ever-increasing number of natural disasters and other catastrophic events, affecting people and property. Make sure you are ready for the next one by having an emergency plan in place. — You’ll also want to… — Sep 10, 2020](/blog/2020/risk-management-emergency-planning)

[**Prepare your home to prevent flood losses** — You do not have to live in a designated flood zone to be susceptible to flood loss. — Because most standard home insurance policies exclude coverage for surface water that damages property, you may need to obtain coverage through the National Flood Insurance Program. Your professional, independent… — Aug 27, 2020](/blog/2020/risk-management-prevent-flood-losses)

[**5 questions to promote quality in construction management** — Quality is king in construction. Reputations hinge on excellence, which is why most contractors work hard to ensure they produce quality products. The more robust the quality management process, the better. If you want to test your quality assurance operations, check out these five questions every… — Aug 13, 2020](/blog/2020/contractor-5-questions-construction-quality)

[**Private company decision makers need D&O insurance** — Owners of private companies without shareholders often believe they do not need directors and officers liability coverage. The misconception takes hold, I believe, because small, privately held companies often have no formal board of directors or shareholders – which seemingly limits exposure to… — Jul 30, 2020](/blog/2020/business-insurance-private-company-directors)

[**Strategies to protect yourself from cyber security risks** — Just about everything you do today carries a cyber security risk: networking on social platforms, working from home in the COVID-19 era, video conferencing for work or leisure, paying bills or shopping. Learn how to protect your personal information whenever you engage in technology using your… — Jul 16, 2020](/blog/2020/cyber-security-strategies)

[**Secondary, vacation homes may need extra TLC** — With normal vacation travel disrupted because of pandemic concerns or restrictions, many people are choosing to get away to vacation or secondary homes. Because these homes may not have had inhabitants for quite some time, you’ll want to take a few precautions as you arrive. You’ll also want to… — Jul 2, 2020](/blog/2020/personal-insurance-secondary-vacation-homes)

[**Home’s value, replacement cost not interchangeable** — When shopping for homeowner insurance, you may hear the terms “market value” and “replacement cost” multiple times. It’s important to have a grasp of the difference. They are not interchangeable. — — **Market value** is the selling price on the open market — how much someone will pay for the property.… — Jun 18, 2020](/blog/2020/market-value-replacement-cost)

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