Based on past experience with Farm Bureau, it may be difficult to beat the quates. I would suggest finding a broker that represents multiple insurers. I have Chubb Private Client, which is pretty expensive, but they did not cancel me when we made a claim 5 days after moving in for a new roof, gutters and garage doors to the tune of about $50K. The nice thing is, I tell him what my guns, knives, reloaders, etc. are worth and just add it to my content coverage. Make sure to check that you are insured for replacement cost. If you lose your house in a fire, it will be extremely difoof luck.
Regards,
Kris
