Homeowners Insurance

[Blue Ring Octopus]

Looking for tips and suggestions, I know every state is different and especially my state, so we got a renew and I went over it, so basically the value is about 200k less than what they have posted, plus they have a 50K deductible. Everything looks low, we are in a state where they will cancel you and your next opportunity could be easily double or higher. So I was thinking about calling them and asking some questions, I know this has worked well in the auto insurance coverage. I am not in a high risk area for anything really. the house is about 36 years old.