Help Choosing Insurance

[Casey Goldman]

In the process of closing my first investment property (rehab-ed 4-plex in Phoenix, AZ)  and had a question about selecting insurance provider.

I am trying to decide between Farmer's ($1,779 premium, $2.5k deductible) and State Farm ($2,335 premium, $10k deductible)

Coverage differences--Farmer's is looking at it as 2 duplexes vs State Farm looking as one 4-unit. Farmer's replacement cost is $282k vs State Farm $344k. Other coverage is comparable (personal property, loss of rent, liability, etc.)

I'm thinking of going for the cheaper policy (Farmer's) but a friend advised that State Farm is better at paying out if needed--is this worth an additional 30% premium?

Thanks for your help!