I think many people’s normal ranges for H06/ condo homeowner insurance costs is 400-600 in DC/ MD area (very generalized, YMMV). That being said, your dwelling coverage is a little higher that normal (however this might be appropriate cost for completely replacing your unit studs in to include the fancy kitchen, bathroom etc.). Your personal property coverage is very high for a typical homeowner and probably is the reason why the premium is higher than “normal” ranges. I use travelers and have found the best quotes with them for my properties. It wouldnt hurt to call and get a quote. Its very easy to change policy providers.