I used American Modern 10+ policy for vacant insurance.

For gas/electric, you should be on Mid American, and the bill will really depend on the age of the home and how much juice you use (as I've seen Beaverdale homes in the 1900-1950 have bills of $250-$350/month and newer homes having half of that). 

Let's look at this from a totally different angle: I'm an American who has traveled the world and live in the US, until coming across your post, I'd NEVER even heard of Weatherford, OK.

Many Americans take a HELOC on a US property.

LOL  serving combat love it.. it is hard for those who have never been landlords and grew up in a family that was in an owner/family home and were never renters.. for tough for those folks to even comprehend how so many Americans that are and will always be renters ..

Taking a home made for the American family of the 1960's and making changes so that it is suitable for the American family of the 2020's will usually generate a premium for the service you are providing.

We are AmeriCANs, not Americants. 

I think Kelly's points are valid, although the partisan tone reflects a fundamental problem in U.S. society.

I think over the next 15 years, we are going to see a lot of the American housing market get turned upside down and shaken out for loose change. 

Demographics show there's been a population decline of -12.6% since 2010 - so that's concerning: https://usafacts.org/data/topics/people-society/population-a...Thanks in advance for your help!