Ours is a 3,000 square foot waterfront home in rural BC. Quotes this year ranged from just under $2,000 to just over $8,000. Quite a range. That's with about $800,000 coverage to replace the main building and $2 million liability, with $25,000 deductible. We asked for $100,000 deductible, but no bites.I’m about $2200 (with tax) a year. $2million liability. $25,000 sewer back up protection. Waterfront property in rural Ontario. Raised 1.5 bungalow with walk out basement. Approx 2000-2200 sq ft. Seems excessive. I have my cars/bike with the same company as well as affinity discount (alumni).
does it seem fair?
Our place in LA has remained for years in the range of $1,700 to $2,200 US. Some years up, some years down. That's with present coverage of about $925,000 US on the house and $2.5 million US liability. Happy enough with our insurer there (Allstate) that we have never shopped around in almost 25 years.