Liberty Mutual question - we just quoted a home and the premium was...

Liberty Mutual question - we just quoted a home and the premium was $2k different between the pay-in-full vs mortgage bill. Has this happened to anyone else? Located in MO. $3500 direct vs $5600 mortgage bill. EDITED: Well, I’ll own this one — turns out it wasn’t Liberty, it was ASI. We were quoting multiple carriers and I mistakenly attributed the pricing difference to Liberty. Yes, I'm a schmuck. Appreciate everyone’s input. Looks like we’ll be having a conversation with ou