Business ProfileforJohn Ren Insurance Agency

I have a homeowner insurance with ******** ********* ******* since 2013 (policy #: ***************, the policy covers a rental property located at **** ********* ***** ********** ** **********. On 10/19/2021, a part of property was damaged by cooking fire caused by the tenant who has insurance coverage. I contacted to my insurance company regarding this incident, I was told my insurance will cover a depreciated value for the damaged area, not a full replacement cost because my policy does not include “Repl cost-Dwell incl Ord/Law”. Then I looked at my policy coverage of every year and compared them, the coverage was consistent until the policy period 10/16/2019-10/16/2020. At the renewal of the 2019-20 policy year, I asked Mr. *** of John Ren Insurance Agency to increase my deductible from $1,000 to $2,500 in order to lower the premium, but I was completely unaware that he also took away “Repl cost-Dwell incl Ord/Law” that only worth $20 on my premium without my permission. I also realized that he added another item again without my permission. It was the “landlord personal injury liability coverage” on my current policy period (10/16/2021-10/16/2022). The fact that Mr. *** repeatedly made changes to my policy while keeping me completely in the dark is a serious concern. The house is a rental property, who would not want to have a full replacement coverage, God forbid, if something happens? Mr. *** has failed his professional responsibility and he is liable for the difference between the insurance coverage and the full replacement cost.