Best bang for your buck for rental property building insurance..

[Alex Cons]

I recently shopped around for a new house insurance company because I was quoted $1400 a year for a SFD with a basement suite with a rebuild value at $340,000. I settled with TD home insurance because they quoted me $800 a year with the same deductible as my previous insurance company. Why is it so low? Does anybody have any advice or experience with claims going through TD? Im wondering if the $600 savings a year might cost me down the road... If there are any other recommendations for home insurance companies that are Canada wide then that would be greatly appreciated as well!