damn their eyes. :)

Both USAA and State Farm flatly refuse to "under-insure" the house.

Me: But if I need to rebuild, I'm not going to have plaster walls. I'm going to have sheet rock walls, and PAINT IT.

Them: We know, but we have to insure it to the full value.

Me: But my mortgage company says the full value of the house, to rebuild new, is $235K.

Them: But the true cost to rebuild from original materials is much higher thant hat.

Me: ...

Them: Will you be paying by Visa or MasterCard?



I'm on the ropes here, because I have to provide homeowners insurance within 5 days of closing, and I have 3 days left before those 5 days are up.