East of Houston Texas, Harris County. Got rid of State farm and got a better rate in 2022 $1764. Next year $1998. This year 3708. No claims, no changes. 40 year old simple 1500 ' home. I remember my Dad, he always said if he would have just put the payments in S&P or something he would be way ahead. They were broken into one time, and ins company treated them as if they were liars. No telling how much it will be 5-10 years from now. My DIL is my agent, she said it is chaos now, and is shopping around.