One is how much you have invested in the property and if you would forgo the expense to rebuild the property if it. 

My concern is to ensure I can rebuild if the sucker burns to the ground.  

@Alexander Felice Thank you Bro for the info,Im rebuilding my credit right now as we speak.

But this is also exactly how we're personally rebuilding our portfolio in St.

(If there's damage to the home, the policy will pay to give you back what you had, but you have to rebuild/repair to the current code and there's often an increased cost to do that.

@Jaysen Medhurst I guess I should of said "rebuilding" my credit.

the question you need to ask yourself on any insurance, is what would you do in a total loss, if not replacing it, demoing the building and selling or donating the lot is ok for you then go with the cheaper, if you would want to rebuild then it may be worth the extra. 

I want to start building homes the trend here is "tear down rebuild" and it's expensive, although the profits are insane I want to start out small......

Is your desire to make more an urgency to rebuild a retirement nest egg that's short, or could you afford to remain more conservative and still retire?

Not only will she not give me a figure, she says that the insurance company will not give you anything unless you rebuild.