Hi Dan, I have a vacation home in Lake Arrowhead so I will assume the utilities will be comparable. Our gas averages around 175-200, people like the fire going constantly, electric is slightly less but our cabin is only about 1200 square feet. Our insurance is around 3700 per year, we are in a high fire area and there are no companies that will currently write insurance in Lake Arrowhead so we have had to go with California Fair Plan and a wrap around policy, Big Bear may not have the same limitations. Even if you can get insurance through another source it is going to be very expensive and you really need the STR coverage. My cable/internet is around 200, I know I am over paying but haven't gotten around to shopping it, however I have found people want cable in their rental. The good news is that our cabin is rented all the time, it will gross around 80k this year but we do opt to use a management company that takes a big chunk. Good luck!