Dwelling/Fire insurance providers in Illinois that offer higher liability cap?

[Robin W.]

I'm looking for some Dwelling/Fire insurance providers in Illinois with higher reconstruction caps/ dwelling liability.

My current provider is requiring a bundled homeowner policy to qualify for the dwelling/fire renewal, but I'm a renter out of state, and just want a standalone policy as this is not for an owner occupied building. 

So I'm shopping around and discovering that many providers have a dwelling cap of $700k. This is for a 2-story frame multifamily w detached garage in Chicago. The agents are assuring me that the estimate total rebuild would be 630k in 2025, but i do not believe them w inflation, material cost, etc.

Any dwelling fire insurers I should be looking at for standalone policy in Illinois?