I must be in the lowest insurance area of the USA. House value: $630k, annual insurance cost, $1,319.
You are so blessed... My flood insurance runs a little over $2,000 a year on the home I live in and my agent said that’s grandfathered in and to keep that policy. My other home insurance is higher than that... I’m so jealous of you...
Do you live in Delaware? On a different thread somebody mentioned Biden’s home purchase for $2.75M. The rates for a comparable home is around $5.5K. Your home in Hellinois would have property taxes well north of $10K.