re: Homeowner insurance cost question

I’m in SWLA so not necessarily close to you but I have slightly more coverage and I’m paying about $3800/yr. There’s a lot that goes into these calculations. Age of home, type of building materials etc., previous claims…. I fought tooth and nail to get my carrier to lower my replacement value to around $480k. They had it around $650k with a $8k/yr premium. I don’t have a mortgage so I had more wiggle room than most people.