Our house was about 3 years ago 83,857 insured what. The cost of replacement The tax value of the house is determined by the collector of the district currently 66,000 and 14,000 to the house on the floor. The original policy, almost 3 years, the full assurance that the market value of 83,537. Strangely, near the replacement value saved in $ 320.00. Since then, the insured value is increased to the 97000th The neighborhood is not the same as when we moved in. Much has changed. If we had a catastrophic loss, and chose not to rebuild, what can we expect? Merci.SERA needed a new question with more details and more details. TAKE A LOOK.