Sell the house and move on. Things get busy and expensive with a newborn even if everything goes super smoothly. You don't want the headache of finding a property manager /being a landlord with a newborn and an increased mortgage. Take the equity you have now and move on.

With such a small difference I'd chose the 30 year fixed if you're planning on staying there for more than 5-7 years.

You're lucky they gave you any value on your after market add ons. Typically for those to be considered at all you need a add on /rider for custom equipment if it's your carrier and the other carrier isn't obligated to consider them at all if it truly doesn't increase vehicle value (such as custom rims, custom paint, exhaust or body kits etc).

Just because you paid $4000 for something doesn't mean that's what they are worth or that it increases the actual value of the vehicle.

If your truck is "as rare" as you say it is, then it's going to be difficult for them to find comps. They typically stay within a certain radius of your zip code unless they can't find comps near by. If you're having all these issues and believe they are way undervaluing your vehicle like you say, then spend the money and hire an appraisar. No amount of complaining is going to get them to dramatically increase the price if they have comps to support otherwise.

Take all the after market stuff off and sell it instead of trying to get insurance to add it in. You'll just have to put the original /cheaper rims back on before cash out.

With vehicle values you don't have much wiggle room on value because the actual cash value of the truck is simply it's value. A manager isn't likely to be able to make much change in the evaluation unless it's just completely wrong.

I mean, if she repeated it many times you have to make a decision to give out some information to mark down and have a shot at the job or listen to reddit blindly and have no opportunity of getting it. Obviously you chose the reddit. In the future, be prepared with how much you want and what the current market is for the job you're applying for so you know if you're in that ball park.

If it's a company you really want to work for be prepared to make concessions to reach your goal and know what you're worth.

Is it new, used, make model year miles, etc etc? I mean, it's clear it's a dumb move financially speaking or you wouldn't make this post.

Any thing happens and you need cash, lose your job, something breaks on the car... You're SOL. Potentially homeless or car repo after a few months.

I wrote in OH but that was several years ago. If something was very obvious or there were state laws as what constitutes marriage then yes, uw will flag or decline that policy or discount. But, generally speaking especially since op is engaged, I don't think it would cause any issues.

Not true at all. For married discount I've never been asked for documentation. When I worked as a producer it was never required. Some may depend on state laws, but I doubt it. Other, more serious discounts like a new roof discount require documention.

I would just add her. Review your policy language but good chance she wouldn't be covered if something happened. She is living there part time and it'll make things a lot easier if something happens (fire, storm, water damage, etc etc). Depending on the company you can even do a self quote online to see if adding her to the policy makes any difference in premium (sometimes, there is a "married" discount baked into some companies rate system).