Received three quotes for homeowners insurance, and one is an extremely low outlier. Worried it might be too good to be true.

[Alabama, USA] My current homeowners insurance is through Alfa. We’ve more than doubled our yearly premium in the last five years (from $1,041 in 2022 to $2,245 in 2026). We’ve also been unhappy for a while because their customer service has absolutely SUCKED every time we call, so we decided to shop. Started with a broker, who got us a quote from Travelers for $2,536. Then my wife called Allstate directly, who gave us a quote for $1,096.

I’ve never had Allstate, I have no clue what to expect, but less than half the other two quotes doesn’t sound right. I assume we’re missing SOMETHING, but that’s the quote they emailed us. Double checked line by line on the coverages, and Allstate seemed to be more or less right in line with the other two all the way down. What are we missing with this?