they're ripping us off! the insurance companies, that is. sucks to live in a hurricane-prone area post-katrina. i've been getting quotes from the few insurers that will still write policies for charleston - and it's not pretty. we're looking at somewhere between $2000 - $2600 annually, depending on what deductible we choose and how much replacement cost coverage we want. i actually got one quote for $4500! crazy!
i guess some areas of the country have high taxes...we have low taxes but high insurance.
it's worth it to live in charleston though!