Orvil,

Good for you, once you go through the quote process PM with any questions or if you want me to look over the coverage for a second opinion. Not sure what state your home is in but be sure they do a home replacement cost estimator and see if the have at least 100% guaranteed replacement cost or at the very least expanded replacement cost (usually 25 or 50%) above the full replacement cost. Replacement costs from a fire usually exceed the original face value of the policy!

Good luck!