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Message: <blockquote data-quote="gl55" data-source="post: 4222354" data-attributes="member: 729"><p>My problem with my HOI (AAA) is the house valuation. I feel it is way overvalued vs what it would ever sell for. When trying to get them to lower it they said it has do be valued at what they say for replacement coverage. They wouldn't quote me ACV.  My premiums would be much lower if I could insure it for closer to what it would probably sell for. Their valuation is 100K over what Zillow has it valued at.</p></blockquote><p></p>