We have an expanded Lantana Block stucco (2450sf) and after alot of discussion with USAA who is our insurer (parent company not ASI), as well as their cost estimating people, we got a a re-build number very similar to yours and that was at full replacement cost and for 400sf more house than the standard CBS lantana. Now one thing that the USAA (parent) policy has is a 25% home protector provision which would provide addition re-build insurance of apprx. $70K....so with that I was comfortable with their number.
Many people are way over insured (and paying for it) if in fact they are insuring their property for the home sales price...especially if they bought a premium lot. Just remember that insurance replacement cost values DONOT reflect current market values.
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