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Very high homeowners insurance premium? (CO)

First time home buyer here trying to gauge what is reasonable for an annual premium for homeowners insurance. I've been shopping around and am consistently being quoted ~$4000 per year for policies with replacement costs between $650-750k. The premiums seem to be not so dependent on deductible. For example, Progressive's quote has a $1000 deductible and State Farm has $7500. Personal liability is the same on all policies ($300k), medical is the same ($100k). Personal property varies a lot because some insurance providers require a minimum of 75% of the real property replacement cost (which is much, much higher than I need), but some others allow me to choose the coverage I want. If it matters, I have excellent credit and I'm in Colorado. Not sure what else might be causing such high premiums here. I keep seeing averages even in high CoL states at being between $1k and $2k.

submitted by /u/OpticaScientiae
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source https://www.reddit.com/r/RealEstate/comments/hhp1p7/very_high_homeowners_insurance_premium_co/
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