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<p>[QUOTE=&quot;KBBPLL, post: 26602583, member: 104064&quot;]Obviously demand for construction and cost of reconstruction are related, but again market price of a house has nothing to do with your insurance coverage limit. I&#039;ve owned a rental for many decades and could sell it for well over $150k more than my insurance coverage limit. You are not insuring a home for how much you could sell it for, as your original post implied. You recalibrate your coverage limit based on changes to the cost to rebuild in the event of total loss, new finishes, personal property that now costs more to replace - not how much the house is worth on the open market. </p><p><br /></p><p>Coin insurance is a different animal. You can never replace that exact coin or &quot;rebuild&quot; it. All you can hope for is for the settlement to allow you to purchase a different coin with the same market value as the one lost/stolen/destroyed.[/QUOTE]</p><p><br /></p>

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