Homeowners insurance options - my agent isn't helpful!

[Tim Sansone]

My insurance agent is being less than forthcoming when it comes to info on homeowners insurance options. I'm trying to compare RC to ACV and she won't give me all of the options. The company has placed too high a value on my property (in an RC policy), and the main question that she now refuses to answer is "what is the payout in the event of a total loss?" Not only will she not give me a figure, she says that the insurance company will not give you anything unless you rebuild. I feel she is not being truthful. I've seen discussions where owners have taken the proceeds from a loss and purchased other properties instead of rebuilding. What is everyone experience with this problem? In an ACV policy, is the payout supposed to be the limit of insurance listed on the policy? Please help!