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Insurance agent here! Please double check the deductibles on both policies. Its pretty rare to see a $600 difference on a 135k home. Also, double check if the roof is covered at %100 replacement cost or actual cash value.
At The Home Insurance People - Our mission is to be the best home insurance provider in the province of British Columbia.
Your insurance company will want to know what type of plumbing your home has, especially if it was built between the early 1970's and the early 1990's. Losses from ruptured Poly-B plumbing can be enormous, so insurers are understandably nervous about taking on a home where Poly-B plumbing is lurking.
Homeowners insurance is designed to protect you from the things that can damage your home, belongings, or hurt you financially. It covers wind/hail damage, fires, lightning, theft, and more. Plus, it covers injuries that occur on your property and lawsuits against you, such as someone suing you because they were hurt at your home.