To your last point, it all depends on the location. Somewhere in Ohio, you might have $100k or $200k of house on $10k of land. Where I live, I'm at about 50/50,

To your last point, it all depends on the location. Somewhere in Ohio, you might have $100k or $200k of house on $10k of land. Where I live, I'm at about 50/50, if insurance's adjudication of replacement cost is accurate.