Is insurance REALLY this expensive?

[Zachary Schimenz]

So I filled out  an online form for a quote, and got quoted at about $800 a year for a property. Then I realized that was for if I was living there, and it's  different since it's an investment property. When I called in they quoted me at $3,500!!

Is this right? Is  there really this big of a gap between if you're living in the house or if you're renting it out?

[Kevin Hart]

@Zachary Schimenz I agree with what others have said. $3500 is insane. When I write a landlord policy for a customer its usually in the $600-900 range depending on part of town and value of property. it should always be less premium than an owner occupied homeowners policy since you are not insuring any personal property typically with a rental property.