However I still don't understand why in CO it's assumed to be the sellers responsibility, I have the house I'm moving to under contract and I plan to reach out to the seller and say I don't require them to buy title insurance if the take the amount off the contract price, it comes down to what I see value in, it's a 3 yr old house and a title search should show any liens or issues, as an FYI I never purchased life insurance as I saw little value there, insurance a necessity for some things but try to limit the cost of it, on home insurance I assume some risk by carrying minimum, in co all those Marshall fire victims were complaining about rebuild shortfalls but every home insurance agent I've dealt with tries to sell you full recovery policy and it's expensive.

Buying below replacement / rebuild cost is one of the main strategies we recommend in columbus / central ohio to our clients but navigating the budgets, properties, etc is a case by case basis. 

I was advised by a builder that re-building would be somewhere near $100/sq ft because this neighborhood is not exactly high end.

Or... front load the risk and build great properties by gutting and rebuilding units from the inside out, while having the experience and know-how to pull this off.3.

The market is also much more volatile than the material cost to rebuild a property from the ground up after a loss. 

To get RCV you’ll need to insure the property to at least 80% to 100% of the calculated cost to rebuild.

OR I could pay it all off in one fell swoop, start rebuilding my reserves firstly by paying myself what I was paying the credit card companies. 

We look for residential rebuilds all over San Diego.

Although the info you show has the policy limits, other factors would influence whether or not the coverage was adequate:1. on the policy, what are the covered perils (is it basic, fire coverage, or is it Named Perils, or the best (Special form)2. what is the rebuilding cost of the structure vs the $660,000 Building limit3.

House budget is roughly $415,000 (roughly $205/sq ft rehab/rebuild).