I am not taxed differently on the land vs the buildings. There is no market force on the land portion specifically from the city. Any appeal I would make would

I am not taxed differently on the land vs the buildings. There is no market force on the land portion specifically from the city. Any appeal I would make would be based on comps, which are invariably land and improvements together. My insurance limits are distinct and negotiated between me and the insurance company, based on the cost to rebuild, which is at best loosely correlated to the current value of the improvements.