I have about 30+ of our own doors in 3 states and we develop our own deals and provide consulting nationwide on development projects.

@Yu Jin SongI do not specifically know the market but I use Vestmap's zipfinder to look for areas I would invest in nationwide.

I know the nationwide average is $4500 a month per resident, but I am guessing it is realistically lower than that in MI. 

And if the deal isn't lucrative enough, we have a vast nationwide wholesale network.

I self manage nationwide and this very takes little time and boosts our returns significantly.  

I have a feeling based on the reports I have seen that it is a trend nationwide as well.  

That percentage was 4% before the pandemic sent home prices rocketing nationwide.

I would generally try to avoid insurance claims if you can because insurance is getting out of control nationwide, and we are seeing in FL, TX and CA that claims can follow the house and/or you and make it very difficult to sell the home in the future.Within the mortgage expense category you have 4 separate charges: principal, interest, property taxes, insurance (if you escrow taxes and insurance which 95% of our clients do). 

They claim a 35% fee on the first year's savings, only if they save you money.Also, I received from my mortgage company an email from "Incenter Tax Solutions" who claim to be a nationwide property tax petition and monitoring service.

For Builder's Risk try Nationwide--I've had decent rates with them.