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You want to insure my house for what?
There are many questions you will encounter in this life.  Is there indeed, a God?  What are the chances they actually look like their profile pic?  Can you believe what they just tweeted?  How the heck could you vote for that person?
The other question (this isn't an all encompassing post) encountered by anyone providing homeowners insurance these days is the very one that I reference in the title of this post.  
First, I'll answer it with a lame cliché ... you just don't compare apples and oranges. Ever.  
What your house is worth, or is appraised at as of today, may or may not be in alignment with what it will cost to rebulild your home.  After all, the latter is the reason you have Homeowner's Insurance for in the first place.  That and the Mortgage Company requires such.  Even still, self-insuring usually only works in the movies.
Allow me to illuminate you as to why the difference:
 If you own a home that is a bit older, matching labor and materials, along with custom woodwork, isn't exactly easy. Folks (artisans) that do this type of work are often harder to find and more expensive when they are found. And the purpose of your Homeowner's ... more

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