Except it's easy to get your answer if you're looking at a specific exhibit A vs. exhibit B back in time.     

not to beat a dead horse, I understand you filled it out, but looking at the paperwork, is it definitely a V or can it be U? 

I know that 90 year old home example sounds iffy, but for the more regular and much newer standard 3/2 in IE or AV for 195k lets say.

@Frank Cockrell, welcome to the BP.I see there are several of us here in the AV. 

Travelers - RV @ $923k; $2,933 annuallyLiberty Mutual - RV @ $718k; $2,128 annuallyThe agent I talked to yesterday told me about the AV policy through Foremost and told me if they will value it at $200k, my annual premium should be around $1,400, which is a big difference.  

She could shed some light for AV too perhaps.

There are so many different factors to consider and test for.List A vs List B; postcard vs letter; headline 1 vs headline 2; copy A vs copy B; etc.Couriously, this is an odd period in the U.

Basically almost a full gut inludinf most mechanicals and some foundation.So...I'm a pretty good salesman when it comes to AV stuff, and getting motivated sellers to come down on their price...but I've never had the balls to offer 10 or less.Help me grow some, and help me with some ideas on how you make those low offers?

If you are ok with unlicensed and this is in the AV, PM me and I may have a guy who could do it for you for much less, but you'll have to wait for him to finish my jobs 1st :).

Looking forward to meeting you as well as others investors in the AV!