It happens! A policyholder wants to reduce their insurance premium, so they turn to the buildings sum insured without properly considering the rebuild cost of their property, or any other consequences. And when the policyholder insists, it's never an easy conversation for brokers to have with their clients. After all, it's the policyholder's responsibility to set the sum insured on buildings, not the brokers, isn't it? However, like most things in life it's never that simple,