@Joe Joseph this is a commercial type of question. 

@Joe Splitrock Thanks, I will read info in the link.

@Joe Hammel Thank you very much for those questions!

@Joe Shepherd I also have put in a lot of work to the house and have made a lot of upgrades.

Hi @Joe S., Yes I did.

@Joe S.

You are in good company and a lot of knowledge, I would hit a couple local meet ups @Joe Homs has one, the OCREIA and the OC FIBI are all good ones as well!

For example, I used to have more than a hundred categories e.g. electricity, gas, water, vehicle repair, labor, sub contractor and the list goes on and on.

I received a landlord dwelling quote from Travelers for Coverage A - dwelling for $223,600 plus 25% of additional replacement cost coverage which puts the total at $279,500, plus $28k for furnishings and $70k for loss of use.I understand I wouldn’t need to purchase the land in a rebuild, but $280k seems low for a cabin worth $520k, not to mention the risk of inflation continuing to drive costs higher for building costs and labor.

@Joe HomsI agree with you about the home appreciation in California being much larger than other states.