[vettestr]

I need some help or to know the ins/outs of Insurance and types of policys. Do we have an Agent or Lawyer with the scoop? What Policy type do I need to make sure I have ? Does a written apprasial need to be updated if you have an agreeed value policy?
I have a policy that is for an agreed value in case of loss. I think that means if total loss the policy pays that amount and is not depreciated from date policy was issued ??. Is there a difference between stated and agreed value? Is there some hidden clause I need to look out for being used in the market? Does a written apprasial need to be updated or is a value fixed and I am paying Premiums for that Agreed amount I am covered? Please give me and others the NEED TO KNOW stuff about insurance and what to watch out for. I do have un and under insured coverage that I feel is a must especially since I live in a US border state and less than an hour from Mexico.