and he says this happens to people who own older houses quite a lot.

There is a light at the end of the tunnel... the underwriters for USAA insisted that they send their own guys out to inspect the property, after we move in, to see if the've over-insured the house. If the light at the end of the tunnel is an oncoming train, then they decide "No, this house is worth MORE" and they raise our rates. On the other hand, they might say "No, this house is not worth 465K," and lower them.

Meanwhile, today I make one more call, to see if I can get Allstate to shed any light on this.