This happened to us recently. We decided to shop around and found odd
pricing. also. Keep in mind this home is new.

What we found. The bigger insurance companies quoted the price to rebuild
our house if it burnt to the ground in 2004. We paid 205,000 for our house
and the bigger insurance companies quoted like $320,000. I guess this was
the price to have a custom home builder come in and rebuild our home from
the ground up.

The smaller simply quoted us the current value. $216,000. If you call the
company and speak to the agent they will likely quote you a higher price.

"Lee Carkenord" wrote in message
om...
I am currently paying about $425 for a one year Homeowners Insurance
policy. I just got my renewal notice, and they have increased the
policy cost to about $500, for the same exact coverage.

Therefore, I decided to shop via the Internet for different quotes for
my Homeowners insurance. As expected, the quotes I got were all over
the place, from about $390 all the way to about $650.

However, one quote stood out.........it was for $169. The fees were
itemized, and indeed did add up to $169 for a 1 year policy. The
coverages were what I asked for. So that "lowball" quote was
evidentally not a typo.

OK......so I am suspicious. What could be some logical explanations
for this extremely low quote? Any chance that it is legit? I've not
yet talked with the agent offering this policy. What questions should
I ask this agent? How can I assure that I would be safely covered by
the policy this agent sells?

The agent is Colorado Insurance Sales and Service, located in
Littleton Colorado.......the Insurance company represented is Colorado
Casualty.

Thank you...... Lee Carkenord