I asked my agent about Citizens Insurance and she got me a preliminary offer of $2500 pending an inspection report. No idea why I had to bring this up myself. And I don't need anywhere near this much Personal Property coverage or any Loss of Use coverage. Can I ask for a lower Dwelling Limit to reduce the premium?
Homeowners
Form Type HO-3
Dwelling Limit $314,400
All Perils Deductible $1,000
Hurricane Deductible 2%
Dwelling Loss Settlement Replacement Cost
Other Structures $6,288
Personal Property $157,200
Loss of Use $31,440
Liability $100,000
Medical Payments $2,000
Loss Assessment $1,000
Ordinance or Law Limit 25%
Personal Property Loss Settlement Replacement Cost
Sinkhole Loss Coverage Not Included
$2,584 12 Month Total Premium