Meet with agent yesterday and was able to trim a few dollars. On my house the biggest problem is replacement cost because it is natural Indiana limestone. It's replacement cost is $100,000 more than if it had vinyl siding.


Also he said I am grandfathered into a policy no longer available. He said their new policies and the industry are turning to a percentage deductible instead of a dollar amount so if you have a big claim it's going to cost you a lot more.