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An experienced broker can provide a comparison of the most competitive rates in your area from the top-rated carriers.
You will have to provide some basic information, and within minutes, you'll be presented with the best offers. The quote will be an estimate of what the actual premium will be. There should be very little or no difference in the two.
A reconstruction analysis should be completed in order to most accurately determine the proper amount of coverage needed. Any Insurance Professional should complete this task and so long as the information provided is the same there should net be too much difference in the resulting dwelling amounts.
Be sure that the deductible and Liability limits are the same for each quote.
Finaly ask about any and all available discounts.