Not a simple question or answer. As I recall, there are two or three primary vendors that publish the replacement cost calculators that are used by most insurers. So shopping insurers may just mean what estimator they're using. Island construction varies a lot, often no heat or ac, no insulation, built on piers, etc. Newer construction is a lot more updated. Most accurate is probably to get a contractor to give you per sdq ft cost for your level of construction/finish.
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