DFW - homeowner insurance is expensive

[Raja Ramu]

I am under contract on a deal in Allen, TX and processing the loan. Its a rental property. Lender asked me to get a quote for home owner insurance. I reached out to few insurance company. Quotes came about $1400-$1800 per year and it comes about $110-150/month. we have few properties in CA and IL. we are usually paying about $700/year. Why its so expensive in Texas? Please share your experience or recommendation if any.