read the policy, that is what matters.

Like all things, you get what you pay for. When you need your insurance, especially on a home, its not something you want to dick around with. If they are undercutting the real names by THAT much its more than just a lower marketing budget.

Also make sure they meet your lenders requirements or you can have stuff go tits up at the closing table, and find yourself on the hook for stuff.

I've had "discount" insurance when i was younger, and a claim was a giant headache, and then they told me to bend over and squeel like a pig when renewal time came up.

I have "good" insurance now (not the cheapest guy on the block, good company and agent), and had to do an auto claim last year, and it was the smoothest, easiest process ever. "Send us a few pictures, go get an estimate from someone you like, fire it on over, and a check will be in the mail"

Like, i'm pretty sure i came out ahead of the game despite my wife being 100% at fault backing into something, and my rates actually went down when we renewed, despite the claim.

Edit: also 3k seems high, unless your house is worth well over 7 figures, or it includes stuff like flood. I don't pay close to that and i'm in the north with a property value scratching 7 figures. I want to say we pay about 2k.