Fire coverage higher than coverage on my mortgage?

I need USAA to contact me and explain why my rental property I own and renting out has fire coverage higher than the home owner insurance coverage I have on my home . Home is about 3X more expensive than rental property


Hello KILATIANKI a rental property is going to have a higher risk factor due to these homes are not lived in by the property owner and have a higher risk of filing a claim. Also those that keep a fixed rate deductibles on these policies will see a higher rate as apposed to those that have a percentage deductible. You can quote any change to your policy online by clicking on your rental policy and choosing edit coverage's, or you can reach a homeowners agent at 1-800-531-8722 Monday - Friday 7am to 9pm - Ralph