How much are you spending on home insurance?

[Jason L.]

I've been having some issues with some of the insurance quotes I've gotten on my properties lately. One one unit (a SFH), I have a fairly low deductible ($1000) but the monthly premium has gone up 20% in 2 years and now costs more than 1 month's rent (house rents for $1150, insurance quoted $1225). Then I have a duplex which is currently on a month-to-month plan where the premium is fairly reasonable ($1400/yr. while the 2 units rent for $2100) but the deductible is enormous ($5000 for most claims, $10k for hurricane wind damage).

I'm curious what others are paying for their insurance? Namely what is the ratio of rent price to yearly premium and what kinds of deductibles you are paying.