(normally recommended, especially if you are a landlord)- Water Backup: For water damage due to the backup of Sewers or Drains.- Personal Articles: Coverage for belongings that have a special or collectors valuesuch as Jewelry, Furs, Fine Arts, Collectibles, etc...Your age should not be a factor on the pricing but, depending on the company these other factors may get you credits:- Insurance Score (company pulls certain info out of your credit report).

Do you have central boiler for water and heat or individual units?

The water fell 3 floors, when I observed the incident my neighbor was attempting the sweep water out the back door.   

This is a beautiful house - rehabbed/looking new and fresh - walking distance to the water etc, yet low gross yield  compared to Byrd (???)

The meters are read electronically with 3g and you get great reporting in their water scope platform.

Quote from @James Jefferson: Hi, I have a family member that had a reverse mortgage on their property it's a 3b 1b 1 acre of land heats by oil no hvac and on well water.

On top of that, the water pipes are on the ground, which is not allowed; they should be run inside the walls.

Meanwhile that water bill growing.

I think the key is you have to just always try to look at it with fresh eyes and consider that others are in different points of their trajectory. 

Taxes are half the cost compared to CA and insurance is lower if not by the water.