@Maureen Campbell curious which insurer you used. For my single family row homes, I use Liberty Mutual (there's not many companies that insure the flat roof homes). In any event, it depends what materials construct the home. If the entire home is brick (front, back, sides) they will take that into account. For example, my 2 story (1000 sq ft) SFH (row home) in a C+ neighborhood.. insurance is $850/annual (home value of $150K) because it's a brick front and back home. To compare: I had a duplex, 2,000 sq ft of living space, corner property, 2 car garage, basement. Exterior was cinder block which then had stucco. That cost $1200/year (overall value of $500K)
Both homes were fully rehabed with new electric, plumbing, roof, windows, wired smokes.. trying to get the best discounts. And those were the rates i paid!
Insurance agent told me it's based on the material and laying brick (to replace like with like) is expense. I would advise you get a 2nd quote though as well. Finally, bundling multiple services (house, umbrella, your cars) with the same carrier will definitely save you money via multi policy discounts.
