teaboy, finally I went through docs and collected following information about my policy
– Dwelling coverage is 431,100
– 2500 deductible
– Dwelling extended replacement cost (ERC) included 150%
– Building code upgrade coverage is included
– Replacement cost on contents included
– Inflation guard 4% (every year the dwelling coverage is increased by 4%)
-$18,000 mortgage payment protection included
My premium is 874.
My agent informed that inflation guard can not be removed and also coverage can not be reduced 🙁
Any recommendations on any reasonable insurance companies for where I can get quote.
