Which insurance companies (not brokers) generally have the cheapest home insurance rates? Barebones, most of the property is being gutted but the bank requires insurance.
My current one is $1300 annually for $800k in the event of rebuilding. Highest deductible for a large, old home. The reason I want to switch is required repairs (It would mess up the order of my rennovations and I can't do them now).
Brokers get paid from the carriers. So find an independent broker and task him with finding you the most cost effective carrier.
But, remember always (as so many forget) that even though he is independent, he is the carrier's agent not your agent and his duties are to the carrier and not to you. Independent only means that he is not bound to be the agent for one carrier like Snake Farm or Allsnake. He can shop multiple carriers but he is still their agent when he is selling you the coverage. There are insurance consultants that will an agency relationship with you and many landlords with 100 or more doors will hire one. But, they are not cheap.