Insurance confusion first multi as a rental

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I am in contract for my first rental and plan to rent all the units out. I am having trouble finding a responable quote, and also on what exactly I need as far as coverage goes. I had a quote from 21st century for 100k on building and 300k in liability, but now another agent said that to rebuild the multi it will be like 250k and I would lose 150k and that quote won't protect me? what do you guys recommend? I am in CT if you know any agents thank you