That sounds affordable as long as you have a decent job. As a point of comparison, however, up here in northern Illinois, you can get 2-3x the replacement cove

That sounds affordable as long as you have a decent job. As a point of comparison, however, up here in northern Illinois, you can get 2-3x the replacement coverage from a name-brand national insurance company for that price. And we do have tornado risk. Which is to say that your insurance is expensive, but I wouldn't call it a barrier to living there. Much like property taxes - if you saw my bill, you'd probably fall out of your chair. Turns out the total cost is high everywhere. ;)