Fint, I feel the same way. Loss of a single vehicle (or house) wouldn't be a big deal....it's the liability reasons as the good Dr has noted. The recent threads about 911s has been what sent me down this path. If I were to total my 911 (my fault), it wouldn't be that big of a deal financially, but I figure an "agreed upon value" policy might just make it easier to swallow
ps: My best friend has three houses in Fl (and one in VA)...USAA will now only insure his VA house and ONE house in FL, so he had to drop two that now go uninsured
. Did I mention that I do NOT like ins. companies...even the best ones suck.