insurance for 3 family house in Union city, NJ, built in 1913

[Sooyeon Kim]

Hi all, 

I'm in the process of getting a 3 family house in union city which was built in 1913. Due to its age, i have been having hard time getting a coverage. 

The only one that i got was from liberty mutual;

Dwelling 350k

Other structures 35k

Personal property 0

Loss of use of insured location 70k

Personal liability 300k

Medical payment to others 2k

deductible 5k

and the premium for this coverage is $3684

does it look somewhat reasonable? if not, what would you recommend? 

I'd love to here from BP experts. 

Thank you in advance!