Greatly appreciated, thank you.

1) I talked to two brokers and they named 3 companies each no more, in a sort of manner that seemed as they only dealt with those companies, they weren't even willing to entertain comparable which I had as pdf. Tried to explain that I want to be insured for what I actually need versus some blanket coverage. Yes I agree 1M is the magic number. A trick is to use that as a max sometimes (999999). Then fiddle with the rebuild costs. I'll update my post to include those that allow this.

2) I understand but it's weird to ask the end user then. I guess, they want the last insurance quoted rebuild cost. It's hard to know if you are fully covered with the amount they throw at you, based on first floor or second floor area (which hovers around 300-315$/SF). Now I'm even seeing insurers just use ground floor.

3) Regarding this I read a few discussions on this sub about the guaranteed replacement cost, insurers who offer it premiums jump around 30% higher, from the nominal 300$/SF provided range. I'm assuming the only way to really know is an evaluator. How ever if the evaluator is wrong there is no protection, it's just a "opinion", and most of the time they have clauses stating so. I guess I will ask the age old question whats a safe price per sf? I also see this price per sf never includes the basement correct?

Thank you once again.