Insurance is insanely expensive, they are always somehow justifying that, yet insurance companies are among the richest entities in human history. I have a high deductible. I figure there's not a whole lot that can go wrong with a house like this that I can't fix myself. I don't know how it breaks down but for 3 car and this little house, it's like $1200 every other month...7200 a year. That's crazy. On top of everything else we pay. It's no wonder no one can afford to save anymore.