I hope all works out in your favor.

My guess is that would include all fixtures and cabinetry and flooring as well as your appliances and other "stuff".I'd clarify that and would still say you want to look into a policy even if you really only have to worry about personal belongings as an owner occupied HO6 (especially if you aren't getting much "content" coverage) should not really run you much more than $250 a year.I'd think you would have to have some seriously cheap crap for possessions before the cost benefit of a total loss works out in your favor.

But do yourself a favor and listen to the podcasts on this website first.

If a landlord does do this, they are doing the tenant quite a big favor.

To @Andy Wong's point, credit unions are able to give much more favorable interest rates because they are not-for-profit organizations, which means they don't pay federal taxes.It's really kind of an unfair advantage that credit unions have over banks (and this is part of why banks have a really hard time competing with them)...

CA already has case law re produce-the-note strategies and has not been favorable to borrowers.

I will greatly appreciate it and hope I can return the favor somehow.

$8000 is a lot of damage and may be worth going after if you think you have a reasonable chance at success, but the odds are probably not stacked in your favor.

In other words, the practice may be available to highly favored borrowers.

, that's the cost of doing business.I've gotten several checks with mistakes in my favor, mostly from title companies over the years.