[quote=burghMan]
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 USAA on a pedestal – and they are a great company for many things – but they aren’t perfect all the time.[/quote]

The quotes I got from USAA were actually 10-20% higher than the Farmer’s policy we got. The Farmer’s policy has a rider that lets you spend 50% more than the insured amount to rebuild (USAA had the same thing, but only for 25%). That let us insure for $200/sf while being covered for $300/sf rebuild.