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Exactly. "Sublimits." Do you mind sharing the name of your insurance company? One of the things I'm sussing right now is what companies are willing to do such a rider.

Bumping an oldie but goodie regarding this perennially nettlesome issue in insurance matters regarding valuation. Perhaps you've since made the move to a smaller house. Whether it be what you originally paid or what it would cost to replace the disc, valuation is likely going be negatively...