[tslanier]

I did extensive research on this over a year ago and frankly found that many who responded on the forum did not have adequate coverage or listened to inaccurate advice from their agents. I even received inaccurate advice form my long time agent. I found after talking to underwriters and some folks on here who had done the same homework, the only way you can be protected with a guarantee is with an "agreed value" policy. I even went the "declared value" route first thinking from the advice of my agent that I was getting the guarantee I wanted. Not so!!!!! It does not matter the amount of the delcared value, an adjuster comes out and makes the final decision. Only in an agreed value, sounds similar but huge difference in coverage, do you get an actual guaranteed. Most companies won't even write an agreed value policy. But a few will but you must get an appraisal and submit the paperwork they ask for in order for them to justify the agreed value you want.
Stewart