To compare apples to apples, mine was going to be a complete tear down and rebuild, If you can just do repairs, it seems like it should be a lot less.

Green Loans are now available to add improvements like Solar Roofs,100% full battery backups and EV charging on our properties. all loans make money available to rebuild from fires etc.

In the event of a total loss, insurance companies will only pay what it costs to rebuild the house, nothing more.

Account Closed, are you planning on renovating the property or leveling/rebuild?

We have used our home insurer for one of our rental properties but with our recent purchase of more rentals they are older homes built in the 1950s so the replacement cost is not enough to rebuild in case of fire or other circumstance.

It was after a flood though there was foundation flood damage we started to rebuild first but eventually the government got around to making offers, ours was good, other people weren't as happy.

We are still close and want to try to rebuild our relations and stay together unmarried for foreseeable futureShe told me to pause on removing the funds from 401k for now and I’m hoping to not have to ever remove those for a home purchase for her, however she wants a home that would be hers in the event of my demise or if we couldn’t stay together.

I've closed all my cards an am working with a reference company to hopefully start rebuilding my credit. 

The insurance premium is based on the square footage to rebuild the house today.

Usually a tear down and rebuild and the challange with that even wrecks tend to sell for 200k and up.