The house we had under contract was hit by hail and would no longer qualify for conventional lending. 

@Bryan Vincent not sure about ATL but something in that price range in CA is probably $600 maybe $700, however we don't really need wind and hail coverage here.

House price is 250kCoverage Details1: Dwelling - 222k2: Other Structures - 22l3: Household Furnishing - 2k4: Loss of use - 22k5: Premises Liability (per occurrence)  - 300k6: Medical Payments each person - 1k7: Peril Deductible    7a: Windstorm or Hail - 2200    7b: Property Coverage deductible (all other perils) - 1k8: Additional Replacement Cost - $55,500Is there any room for improvement or this is good enough?

Non owner occupied are higher price... age of the roof will affect premium quite a bit.In San Antonio there are a lot of hail claims (high percentage "bogus") and that causes rates to go up

Ended up selling after they moved out.Bump in the rode was listed and then heavy hail storm which damaged siding and room.

Old house - don't think I can really change this one.Central Nebraska so wind and hail - I don't plan on moving the house thoughSome out of date electrical - has breakers but some knob and tubeSome out of date plumbing - galvanizedExterior does need a good paint job and some gutter and soffit repaired. 

I knew when she told me the numbers that it was simply a hail mary, but I always try to help.

@Orlando Perez Yeah there is no local insurance standard, but SoCal has some of the lowest, because we rarely get floods and damaging wind/ hail. 

It's under one policy for all, I think the deductible is $1000 - this is for 1 event....if all properties are damaged by hail in the same hail storm, there's just one deductible, replacement cost.

Assuming this is Houston you need wind and hail, dwelling, liability, medical for sure.