No they don’t care as long as they get paid off. These insurance companies 
plug in some sort of number they claim is the cost to rebuilt the house based 
one some sort of calculation they come up with. 

Sent from my iPhone

> On Aug 22, 2020, at 11:27 AM, Craig via Mercedes <mercedes@okiebenz.com> 
> wrote:
> 
> On Fri, 21 Aug 2020 22:12:58 -0500 Kaleb Striplin via Mercedes
> <mercedes@okiebenz.com> wrote:
> 
>> I ran a couple of online quotes and cheapest I came up with so far was 
>> Liberty Mutual.  It was around $600-$1k cheaper depending on 
>> deductible.  I have not tried State Farm yet.  The problem is USAA and 
>> all these others put a rebuild value WAY higher than what we paid and 
>> what I figure the actual house is worth/would actually cost to replace.
> 
> Can you not say, "This is what I want to insure my house for?" Or is the
> one who funded your mortgage requiring the higher value?
> 
> 
> Craig
> 
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