Side by side duplex insurance

[Dewain J.]

I own a side by duplex and the renewal quote for the insurance came in and I looked at it a little closer and realized that they quoted it as if it’s two different locations/premises. 

So while I only wanted covered for 130k, it’s been covered for 260. 

There is only one deed, one BRT number etc.  but they are saying because it has two separate entrances and a wall between the units it has to be treated this way. 

My question is, does that make sense, and if so would I be able to then cut the liability in half on both locations so that I am not overinduring this property?