30) The insured value of your home is usually less than the market price because Select one: a. of the housing crisis of 2008. b. your home depreciates over time and is not worth the market price. c. homeowner's insurance only covers the value of the buildings and structures and not the value of the land. d. of the 2009 recession. 9 You pick out a new car and the dealer is offering O2 interest for 60 months or a cash- back bonus of $4,000. Your negotiated price is $25,000. Your credit union is currently offering a special interest rate of 3.5% for 60-month car loans. If you take loan from credit union, how much you can save