I’m trying to help my fellow home-owning friends avoid being scammed for $1000s of extra in insurance premiums by their home insurer, as I was. Simple step: Ask your home insurance company for a copy of the detailed report they used to calculate your home’s replacement value. Please also email me if you have had this same problem. For Liberty Mutual customers, it’s called a XactValue report, and is about 3-4 pages in length. If your agent won’t give you the report, tries to give you their one page report, or... read full review »