Insurance in Philly: Are these decent quotes? Good Companies?

[Mike Girard]

I will soon be closing on a duplex rowhouse in South Philly. I'll be living in the top and renting out the bottom or vice versa. In getting quotes, a couple things confuse me. Would appreciate help.

The quotes I've been given so far are based on the replacement cost rather than the cash value. I have not been presented with the option of cash value; I guess this is an older house thing and mine was built in 1935. The replacement cost is twice what I'm paying for it and way above the median for the area. What's going on here? Why can't I just say how much dollar coverage I want up to replacement cost?  Two quotes I've gotten so far are between 1950 and 2100 with 2% of replacement cost deductible. Does this seem about right?

Also, where companies are concerned, I am inclined to go with Amica because it has an exceptionally high rating from J.D. Power and came in at number one in Consumer Reports. Anyone have any input on this choice? I see a lot of people use Liberty Mutual on here, but they did not fare well on either report.