We brag a lot in Oklahoma about our lowish cost of living, but there’s one item that costs a bundle: insurance for the home, which runs a good 10-20 percent above the national average, no thanks to our too-often-nasty weather.
And then there’s mine, which is going up 35 percent next year, to over $1200, on a $100k house.
For “10-20 percent,” read “30-40 percent”: various sources around town are now quoting the state average at somewhere in the $1400-1500 range. Mine has gone over $1600 for next year. Then again, I have about an average-priced house with slightly better-than-average coverages, and you have to figure that every underwriter who does business out here is sweating wildfires. Besides, I have had demonstrably good service from these guys, and I stand to gain little if anything by shopping around.
Oh, well. Nobody said it would be cheap to live in a Neighborhood of the Year nominee.