insurance questions?

[Ronald]

how much is too much?
my house is market value around 37K, insurance for the year is about $400
does the premium depend on market value or is there a "blue book" value based on age?
if i am paying too much for insurance and in a total loss they may only pay what they say it's worth regardless of what i insure it at?
i am curious as to what others have or experienced.

[Greg]

A lot of factors (some just plain B.S.) go into the rates. The best advice I can give is to shop around. Think about multi policy discounts, Auto, Home, boat or bike if you have them. Greg