$185.  2005 is a pretty new house but the hvac, appliances and even the plumbing fixtures with hard water can easily be at the end of their lifespan. 

Florida has a lot going for it - especially post-COVID when people can choose to live near water and nice weather without leaving their jobs.

I have a gas water heater and gas stove.

During the middle of the sale one of the pipes burst in the condo and neither the bank nor the seller wanted to pay for the repairs, so I paid about $800 to have the pipes repaired and clean up the water damage.

Things like Water/Sewer Backup, Equipment Breakdown, etc. could be in those discussions

And normally they don't have to go without water. 

Our Kansas City market is inundated with traditional wholesalers that have muddied the water.

We can only give general predictions and of course most - if not all of us - agree that we have no clue when it will happen.Things such as low interest rates and money printing are only prolonging and worsening the inevitable and they also only muddy the waters on a prediction as to when a crash will occur.

Mine includes roof, floors, hvac, appliances, hot water heater, exterior paint or siding, etc.

There was a water leak and I think it scared others away.