[quote=Raybyrnes]You could be a fool and go for an ACV (acutal cash value) policy. Sounds like your insurer is simply doing a good job. In the event something happened, you would appreciate the fact that you had professional service[/quote]

The representative from USAA told me that they won’t insure for less than replacement value without any explanation. When I asked why this is a requirement, she seemed completely perplexed and just repeated that was the “rule.” Hardly what I would call “doing a good job” or “professional service.”

I’m a fool for just blindly accepting what some clueless phone rep tells me?

I know some people put USSA on a pedestal – and they are a great company for many things – but they aren’t perfect all the time.