Most carriers we deal with will not insure for less than the reconstruction value. We use a home cost estimator program which the carriers require before they will bind. Some carriers send outside inspection co's to the risks. The issue you will run into in the event of a loss to an underinsured ris...

I agree with the responder who advised you to keep your E & O paid up. You will eventually have an issue because you say the following: 'Me, I'm still going to be selective about who gets calls from my agency. Retention is very important to my personal lines and small commercial base, but when t...