Insurance ROI...

I've been investigating whether we can lower our insurance premiums on our home.

Filled out all of the forms, had a few back and forths, read the policy terms, and when all is said and done, we'll save $120 per year get $20k more coverage on our Personal Property and $5k more for mold, fungus, rot, etc.

Of course, I still have to finish all of the forms, list our valuables, deal with the mortgage company, and the current insurance company I have. Switching costs are kind of high.

Question I am struggling with: is that deal worth the time/effort?