I feel bad for the poor schlepps in Iowa, who are paying more for insurance due to losses from wildfire (CA), earthquake (CA), tornados (KA), Floods (LA, TX) and hurricanes (FL, LA, MS, TX).
If they weren't coughing up dough, our insurance would easily be 10x higher down here.
And consider yourself lucky. Median home price in my town is now $500,000 for a 2 bdr, 2 bth (no garage). Interest rate hikes will change this for the better, though...