After also getting ripped off for years, we've had great rates with Philadelphia Contributorship. $1928 for a Heights 4 family.

I was in the same situation, or so they said. So I went with Chubb. I think it was a lie. I have been over-insured for years apparently. Where did you get your insurance and who recommended them?

Yes - $1200 for an entire house. I have been paying so much more. I just contacted State Farm - their rates are entirely different from Chubb. I'd be curious to hear what you think.

Also, it is my understanding that one doesn't insure for the market value of the house but rather for the rebuild cost which should be less as we are paying for the land in JC

You pay insurance according to whether you have a one family or greater. If you house is worth one million or more why have insurance for 1/2 million?

$1200 for an entire house?

I too have Chubb because no one else was insuring brownstones when I bought my house. $1200? Not even close....nor do I think that's a reasonable figure. I'm in Van Vorst but expect those two neighborhoods are comparable.

Curious what people pay in the Hamilton Park neighborhood. I think I am drastically overpaying. We have Chubb. I saw another thread about this and saw some people were paying $1200..

Any details on size of house, broker would be great.

thanks