Let me step in here on the "replacement" policy value. Replacement means
that if your house burns down and it is 35 years old and codes have changed,
it will bring your house to code.

Ask the people in San Diego whose houses burned a year ago about their
nightmares of being underinsured because of no replacement coverage. Codes
have changed to require tile roofing, which means re-engineering the
structure, and since it is tract work, the as-builts exist for these homes.
The insurance companies are paying off of these plans, but the homeowners
are out 10's of thousands of dollars for the roof changes.

Homeowner insurance from the cheapest carrier is a BIG gamble, in my 30
years of homeowner insurance experience. It has paid everytime to not have
a hassle with the carrier.

Please heed the advice on making sure the agent can sell in your state, that
the carrier is licensed to do business in your state and that it is AT LEAST
an A rated carrier. All this info can be had from your state's insurance
commissioner.

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Totus Tuus
Claudia (take out no spam to reply)