Take my numbers with a grain of salt and don't focus too much on how realistic or accurate they may be for your market, the underlying principle is the same, and it's partly why so many people lost their hats getting overextended in 2007-2009! 

I check Craigs list and MLS and I sure dont see ANY good deals on those,,except for what I call 'hard hat ally' or 'stray bullet place'.

.- Personal Articles: Coverage for belongings that have a special or collectors valuesuch as Jewelery, Furs, Fine Arts, Collectibles, etc...Your age should not be a factor on the pricing but, depending on the company these other factors may get you credits:- Insurance Score (company pulls certain info out of your credit report)It is not your credit score but generally better credit will result in a better score- Time at your job- Education level- time at current residence Good Luck

Long story short, Chase hat 990USD fee that I would have been able to have waived, and our local lender (that we ended up going with) gave us a credit of over 2k which covered their own processing fee, their lawyer and the appraisal.That's my limited and very recent experience.

Hats off to them!

Just pulled a number out of a hat to illustrate my example. 

(Super fun fact: a supreme court justice in one of those cases actually wrote in their opinion that the gov't might someday develop psychic mind reading technology, and built the implications of that into his opinion...)That is why I wear an aluminum foil hat.

Guess it is coming to personal comfort of which hat I would like to wear. 

OK, I've searched the forum for reviews on the above, and have determined hat it seems to be a successor product to Realeflow "Open Road".Has anyone used it and can you comment on its usability?

Understand that buying a note is putting yourself in the shoes of a lender, not a property buyer. even after foreclosure you are still wearing a lender's hat untilthe property si sold the first time around and you may be limited to collections of actual amounts due as "profits" may be due the borrower.