You need to try an independent agent. Many standard companies require you to insure your home for replacement cost. There are companies that will let you insure the home for less but they are a niche market and you have to shop around to find it. Just know that if you have a policy for less than replacement cost and your home burns down there won't be enough money to rebuild. Also look at a higher deductible or adding your car insurance to get a multipolicy discount. Good luck.... more