Last year our agent went to the county building dept to get an estimated replacement cost because the insurance renewal estimate was WAY too high. The insurance co accepted the revised amount.
Also, you might want to look into a policy that can delete Coverage B - additional structures. There are none with most homes and villas. If you have a birdcage or other structure attached to the home, it's considered part of the home, just like an attached garage. That can save some $$.
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