Harris County Insurance

[Joe A.]

Hello BP!

I am under contract to buy my first out of state property in Cypress, TX. While I love everything about the property and thought I did a ton of research, I apparently failed to research Homeowner insurance cost in Harris County!!

I called AAA insurance to get a quote today and was quoted $4,800/year for a 178K property with 1% deductible!!! WOW! just for reference, I own a $1m+ house in WA state and I pay ~$800/year for home insurance. 

Questions:

1) Is there a reason the insurance rates are so high in Harris County? this type of rate would kill the deal.

2) Any recommendation on a good insurance agency that would provide a reasonable quote? 

My credit score is excellent, no other factors are impacting the rate other than the fact that it's in Harris county which would make most of the Houston area not profitable for me. 

Cheers!