Since we purchased our brownstone three years ago, our insurance provider, Chubb, has roughly doubled the annual premium from about $6,000 to a whopping $12,000 on the renewal forms we recently received. Some of this may be attributed to the fact that we actually filed a claim for about $15,000 back in 2006 when we had some flooding that resulted from a collapsed waste line. Mostly, though, it’s because they insist that the replacement value of our house is about $2.8 million, a good 50 percent more than its market value. (In contrast, a friend who own a brownstone in Brooklyn Heights that must be worth north of $5 million just got a bill for $14,000 from Chubb.) In Chubb’s defense, they were an absolute pleasure to deal with when the shit hit the fan (quite literally, in our case). That said, this is some serious dough. We recently checked in with the Brownstone Agency and got a quote that was a little over $4,000 a year for the next three years. We were able to choose how much we wanted to insure the house for, so the quote is based on $2 million. It would be interesting to hear what people’s experiences have been when they’ve had to place claims with both companies. Also, any other carriers we should check out?