I had the same thing happen to me and the first thing I wanted to do was have them refinished and show them off; Until I heard a brilliant tip from @Brandon Turner in his book on Rental Property Investing... 

Brilliant!

2 hours of absolutely brilliant, insightful and valuable conversation between Josh, Brandon and Tim.

@Joe Splitrock brilliant post.

Thanks for the brilliant and practical way to get the best of both worlds!

I've read the policy and they added the house as an endorsement.My question is, is the new agent incompetent or has she found a brilliant loophole to save me money?

@Bo Goebel - Brilliant!

The first step with any brilliant idea, before protecting it, is to share it on the internet.

@Mackal Smith this is a brilliantly elegant plan to attack your daughter's student loan debt!

Thanks @Joshua Dorkin and @Brandon Turner for all of the free, brilliant content in this community.