Citizens requiring 2 policies for duplex - Help me?

[Sarp Ka]

Hello there,

I have bought a duplex worth $665k; the previous owner told me she's paying $3500 in total for Citizens.

I have went through an agent and they told me initially it'll cost about $4000 a year. Which was fine.

Later on I was sent a letter stating they are cancelling my insurance policy and I should contact my agent. Turns out they want to have separate policy for the smaller unit.

This is a deattached duplex. Smaller unit is 450 sqft; larger one is 1000sqft. They do not have a different door number; in fact small one doesn't even have its own address. It only has separate electricity and internet line; shares water with the main one.

Now the agent/citizens are saying this:


The new policy for the small unit will be $3,158 a year for a coverage of $88,700

For the big unit coverage amount to $177,900 premium for this dwelling is 4,136.00

So the total of $7300; which seems insane for these coverage amounts!

Is my agent not doing something right, or is there an issue with Citizens? I haven't heard from people that for duplex you'd require 2 policies.

PS: This is in a no flood zone.

I also personally think the premium for the small unit and for how much it covers is ridiculously high.