The barn at Larry and Susan's farm burned down, and Susan called the insurance company. 
Susan:
"We had that barn insured for fifty thousand and I want my money." 
Agent:
"Wait just a minute, Susan... it doesn't work quite like that. We will determine the value of the old barn and provide you with a new one of comparable worth." 
Susan, after a pause:
"I'd like to cancel the policy on my husband."