Tips on homeowners insurance estimations

[Erich Martinez]

I've been using Trulia to analyze home insurance in Pueblo CO.  I'll take these estimations and enter them into the BiggerPockets analysis tool.  However, when I attempted getting quotes the insurance premiums are nearly five times higher.  I was curious what factors to look for such as roofing age and type, deductibles or other strategies in the insurance quote.  Since buying an older property in 1904, the insurances uses ACV, I am having problems understanding what I think are higher rates.

Could anyone assist in a reputable insurance dealer that will not bloat costs in addition to offering assistance in factors to look at when buying insurance.