Home Insurance LZ2 vs Rest

[1voyager1]

We are in LZ1, had Lloyd's coverage, and were cancelled by them after our policy ran its coarse, about a year after the eruption finalized.
We never submitted any claims to them.
But, they did send an unrequested investigator out who inspected our property.
With no notice from them, we were sent 2 checks totaling almost 1/2 the purchase price we paid for our property.
Made a bunch of improvements.
Still got a few more to do yet and have coverage for the costs.

We then bought a new policy from a Kona agency for about $1500/yr, the same as what we were paying before.
It also had the lava coverage that Lloyd's didn't have.
I believe the coverage was as described by leilanidude.
It started up as Lloyd's ended, never went without.
My understanding is that the cost was equivalent to what we would have paid in LZ3.
Coverage might have been a bit short of that in LZ3.
Even so, we made out like bandits.