How do I calculate my home owners insurance deductible costs (and liability insurance) on my rental home when I switches to new companies mid year.

[Rhizzlebop]

I had coverage with company A and B to start the year, and around mid year I switched for a better price, to companies C and D.  New premiums were paid and refunds for remaining unused coverage were issued to be.

[Zbucklyo]

You determine your net homeowner insurance paid in 2017.  That is, the amounts paid to company A and B plus the amounts paid to companies C and D, minus the amounts refunded from companies A and B.