Silvermaninsurance.com -- The cost to rebuild your home, the value you are taxed at, the sale value of the home and the value that the bank will loan you money on are all different at this time. I do not believe I have ever seen these values so different. The insurance value is based on the cost to rebuild and not the other values. Not all policies are the same -- some may have a coverage you may need and some have that coverage only as an option where you have to pay more. Contact Ron Silverman for evaluation of Deltona Home Insurance for a proper review of any home in the greater Orlando-Daytona area! All the best to you! Ron Silverman