Ok, I just got off the phone with Bob Haun, the house insurance agent. He said the underwriters said that the insurance needed to be changed since Mom and Dad were not living there. I have to tell you that basically I HATE insurance agents--sorry, but I think they're all scum playing on people's fears for money! Just me, but that's my feelings. Anyway, bottom line is this: right now Mom and Dad have $156,000 coverage on that house! INSANE! Plus contents, etc. Their premium is like $829 every 6 months! Outrageous! IF we change it to a policy that is NOT owner occupied, we can get $100,000 coverage on the house, $100,000 liability, NO contents coverage, $1,000 deductible for $603 PER YEAR!!!!!!!!!!!!! I told him I'd have to run it all by you all first. This would give Mandy and Sammie no coverage on their stuff + no personal liability. They'd have to buy this on a separate policy! Sounds good to me. What do you all think? Questions? Concerns? Speak to me!! Love you all, Jeanie