Hi Dianne, thank you for your reply.
For UBIA, after some googling, I think it is because I put my current home as home office. So total value of the home multiplied by some factors (such as how much % of home I use for business, etc..)
But I could not figure out how the numbers are exactly calculated. Does anyone know how it is calculated, so I can cross-check the number? Also, not sure if having mortgage affects this value..
