Looking for Total Sq footage of living area of house. Living area includes what space in house? Basement would not be included?

How do I determine total square footage of my house and measure it? My insurance company and I are way off and its affecting my premium. The insurance rep did not even come in my house he walked around and came up with his own figure.

 

Are Insurance company underwriters not supposed to include unfinished living areas of the house when determing my total square footage of house for replace cost purposes? My premium went up even though the home inspector from Allstate did not know I had part of my house that is unfinished. I was not home at the [...]

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