If I recall, Earthquake insurance is expensive and the deductible is 20% of the premium.  

Find out what he fair  market price is and then think about about a premium amount over that price.

I would much rather pay reputable contractors and subs a "premium" in order to have a job well done.

But, yes, I've paid a premium price or an asking price.

My questions areIs the premium significantly higher for ACV vs RCV?

., seating will be at a premium, unless things have changed in the last two years since I was last there.A couple of alternatives:Vintner's Cellar 10 Barrel BrewingBrix TavernObviously, there are many more, but these three should provide us with seating and a noise level that will allow for conversation.I'll go with the majority.

What you really want (and should pay a premium for if necessary) is a choke-able neck. 

An amazing contractor, whether or not they are held at arms length as a hired hand, or as a partner, is going to cost a premium.  

Also keep in mind that the policy you do finally get will have a higher premium due to the recent claim on the property.Also keep in mind for the future, that you need to really weigh the benefits of filing an insurance claim.

@Daniel Kenney  Generally speaking PG's are worthless in these deals.. if the people borrowing the money were that strong personally they would in most instances be borrowing from a bank ,, or insurance company etc.. they would not be paying premium rates for these deals..