From the comments above, it seems there are a variety of standards for average building costs. Is it a fair guess that building costs are subject to huge local variables?

And it could easily be the case that the insurance company is striving so much for the low-ball rate that they have opted to provide what amounts to half-insure my house. I’ve seen so many cases where they do this for automobiles that it would come as no surprise.

Perhaps it’s time to shop for a different provider. I’ve been a good customer for about 14 years.

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...Tracy

'00 ML320 "Casper"
'92 400E "Stella"